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N annual deductible applies to your cover, the deductible will be collected using your direct debit or credit card. Payment by bank transfer or the banking of cheques may result in charges over which we have no control and these will be the responsibility of the beneficiary. If we are unable to pay direct to a bank account, or no account details are provided, we will pay by cheque. We reserve the right to send any benefit due to an appropriate person – for example, the executors of the will of.

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