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Check the policy suits your circumstances. If you are self-employed then the unemployment part of a traditional policy won’t apply to you, for example. So ask about a cheaper plan that only covers accident and sickness claims. The money regulator, the Financial Services Authority is clamping down on advisers who sell inappropriate mortgage insurance like this. It has produced a series of leaflets on the policies which aim to help people get suitable cover – call 0845 456 1555 for more details.


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