tion in which the family decided to the extension so it's exist a long term mortgage, so they needs a lower annual percentage rate account. The mortgage was also taken out over 20 year on an endowment basis but the projected returns on the policy are likely to result ina substantial shortfall in the pared to the outstanding mortgage. The family has product need a low initial repayment and risk of product. From this part, the product will give them a high return and let them have a safe environment, and then I will have low risk is very necessary about that. 2.2.3 I nsurance needs Alexander set upa pany with his friend, James Emerson. pany may suffer many influences from internal and external market. For to Alexander ’pany may be have risk about himself. so James may leave him and dispersed
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