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This amount is tax-free for your beneficiary
Don’t forget the impact of inflation. If you find your life cover to be very high, remember that it may not be worth as much after 10 or 20 years.
Your insurer might offer you a lower cover due to your age or income. You can go ahead with the lower cover, and increase it later.
This decision is not cast in stone. Revisit it when you see a big change in lifestyle (i.e., when your income changes significantly).
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