There are three main types of products offered by life assurance companies:

• protection policies to help alleviate the financial repercussions of death, illness or disability;
• lump sum investments and regular savings;
• retirement planning which includes pensions products which can be used to save for retirement and investment/income options for individuals at retirement.

Most of these products are available to individual customers and some will also be relevant to employers wishing to provide retirement or other benefits for employees.

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