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What does Total Care offer? Why not just get basic decreasing term cover for the mortgage and then deal with your general life assurance needs separately with a more comprehensive plan? Why are you covering the lives of your kids? Surely only the earners should be covered to cater for the dependents in the event of their (earners') deaths? Why are you looking at this particular policy? Are you getting advice? Is it independent?
Check that some of the benefits you're paying for in your plan aren't covered by your private health insurance also.
its just to provide for family in case of the unexpected....
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