Life and risk assurance are two common types of long-term insurance that provide protection against unexpected events that can impact individuals and their families.

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Life insurance provides a lump sum payment or income replacement to the policyholder's beneficiaries upon their death.

This type of insurance can provide financial security for loved ones and can be customized to meet specific needs, such as paying off debts or funding education for children.

Life insurance also include additional benefits, such as critical illness cover or disability cover, which can provide financial support in the event of serious illness or disability.

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Risk assurance, also known as disability insurance, provides a regular income to the policyholder in the event that they are unable to work due to illness or injury. This type of insurance can provide financial security and peace of mind during difficult times, helping to cover living expenses and medical bills while the policyholder recovers.

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Long-term insurance can provide essential protection and peace of mind for individuals and families, helping to ensure financial security in the event of unexpected events. It's important to work with a qualified insurance broker to choose the right coverage for your needs and to regularly review and update your portfolio as your circumstances change.