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It's good planning to consider what you and your family would do in the event that you could not work.
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UK News

UK housebuilders agree not to share commercially sensitive data "except in limited circumstances".
As the initial findings of the Post Office inquiry are released, sub-postmasters tell the BBC how they feel.
The boss of the CBI says he would support cutting the allowance on cash ISAs to encourage more people to invest in shares.
The US president reveals his poker "tell" by showing he is open to delays to secure trade deals.
Similar threats are looming over pharmaceuticals, lumber and semiconductors.