For example, if you just need the policy to pay off the mortgage and you have 15 years left on the loan, a 15-year term policy should be enough.

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But he was paying more on the loan than he was earning inside the policy, so, absent the tax deduction, the deal was a loser for him.

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He formed Light Bioscience in March 2000, subsidizing his research and patent filings with a second mortgage on his house and a loan against his life insurance policy.

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Provided that Brazil regains its nerve on fiscal policy and makes every effort to pass the tough measures it promised, the loan package should stay in place.

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Cardoza also criticised his manager's policy of making so many loan signings and has indicated that recruitment for next season will be focussed on non-league clubs.

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