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life assurance - living abroad and valuations

i have 2 very young daughters and i want to take out life assurance...

i don't want it for mortgage protection but for my life generally.

surely if i do it for say 100,000 pounds for 30 years in 25 years time

100,000 isn't going to be worth much?

also i've read if you live abroad for longer than 1 year your not covered?

is there any policy which can cover you for living abroad as my wife is'nt from

the uk.
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