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When you pur chase travel insurance or breakdown cover, you understand that when you claim on it, it won’t directly replace what you have lost. The plane will still be delayed, the car will still have broken down. The aim of the Insurance is t o provide you with a level of compensation so that you can deal with the situation more easily.

Broadly, that is the basis for most forms of insurance and life insurance is no different. Life Insurance (in fact any sort of Protection contract) will never replace what you ha ve lost but will at least enable the people affected to deal with the situation more easily.

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