The depositor sees an FD offering the usual interest rate plus a health or life insurance cover and assumes it’s an added bonus. There’s no visible premium and no separate policy document to ...

You must pay a monthly fee (or premium) for this. How much you will pay for life insurance depends on your age, health, lifestyle and how much cover you need, as well as the type of policy you have.

That’s where life insurance can be a valuable safety net. Level term life cover pays out a tax-free lump sum to your dependents if you die within a set period of time, 20 years for example.

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