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Drawbacks to group plans. Group plans usually only cover salary; no commissions or bonuses unless that is considered part of your core compensation. Some group plans are capped at 5,000 a month, or 60,000 annually. And if you pay premiums on a pre-tax basis from.
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However, if you want to leave a lump sum for your dependants to cover other debts and ongoing spending, a level term insurance policy, while more expensive, is likely to be a better option. Whole of insurance: These are often (but not always).
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