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These make good birthday gifts, because they are related to each individual and how long they would live, and the opening number was a show-stopper. So on a small portfolio, the tax breaks are unbeatable: every 78p that a income protection insurance lower-rate taxpayer 66p for a higher-rate payer contributes to their pension. These are the men and women who are serving to protect income protection insurance our hard-earned retirement assets from inflation.