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Insurance and planning is really for two main purposes.

The first is ensuring against your future earnings. So

if you were to die or

not be able to work for a reason the insurance

has come in and fill the gap of the earnings that

you would have had in Fuller or part.

The other reason people take out insurance is

to ensure against inheritance tax

commonly can they ensure against inheritance

tax liability for a period of time whilst they

undertake other planning you take out 20 or 30

year term Assurance or a hold of Life contract pay the

premiums and ensure against the inheritance tax. And

in that time you may decide to

give those assets away or structure that in differently

or ideally spend them and then the

inheritance tax liability isn't there anymore and you can cancel the

the policy?