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Is it not easier to say "Wants and Needs"?
I want a mortgage to buy a home
I need a protection policy to cover the mortgage..... but I don't see the benefit of that need and so it has to be sold.....
(On the other topic, there was the Widows 'TV program/advert' and shorter protection advert ... which expained it really well.
The last 30 seconds of the advert were perhaps the most relevant 30 seconds of something I recenly watched : -
"It is so much better to have it and not need it rather than need it and not have it")