But this is an offer to steer clear of. Life protection is too important to buy with your groceries. It works out cheaper in the long run to take advice on what cover you need.

If you have children and a mortgage, for example, you should have cover worth about 10 times your yearly income. For someone on the average wage that's about £250,000. This sounds a lot, but it's only enough to clear a £100,000 mortgage, pay any outstanding debts and leave your partner enough to raise the kids without living on the breadline.

So it's important to have income protection to keep you and your family if you couldn't work. For about £20 a month you can buy a policy which would pay £250 a week until retirement age, if need be.

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