Can anybody recommend a company for a in one piece of duration insurance policy?
Answers: Try Liverpool Victoria (LV=). Their Life insurance rates are very competitive at the moment and you would bring back extra benefits because it's a mutual society (Friendly Society) i.e. no shareholders.
standard life
Check their financial (balance sheet, income statement), ask from someone who knows to give you some insight and after choose.
A good program doesn't necessarily mean to be exact given by a healthy (meaning economically viable) organization. And at the running out of the day what you want is getting your money back when required.
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