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Unfortunately, if the unexpected happens to you it is to late. With changing working patterns, fewer people can rely on their employer for more than short term help and social security benefits are simply inadequate for most of us.

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HNL Financial Services is authorised and regulated by the Financial Services Authority. Registered Office: National Westminster House, 21-23 Stamford New Road, Altrincham, Cheshire, WA14 1BN. FSA registration number: 175648
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