1. L-i-s-a- -a-n-d- -M-i-c-h-a-e-l- - -a-r-e- -a- -d-u-a-l-c-a-r-e-e-r- -c-o-u-p-l-e- -w-h-o- -j-u-s-t- -h-a-d- -t-h-e-i-r- -f-i-r-s-t- -c-h-i-l-d-.- -M-i-c-h-a-e-l- -a-g-e 29, a-l-r-e-a-d-y- -h-a-s- -a- -g-r-o-u-p- -l-i-f-e- -i-n-s-u-r-a-n-c-e- -p-o-l-i-c-y-,- -b-u-t- -L-i-s-a-’-s- -e-m-p-l-o-y-e-r- -d-o-e-s- -n-o-t- -o-f-f-e-r- -l-i-f-e- -i-n-s-u-r-a-n-c-e-.- A- -f-i-n-a-n-c-i-a-l- -p-l-a-n-n-e-r- -i-s- -r-e-c-o-m-m-e-n-d-i-n-g- -t-h-a-t- -t-h-e 25 y-e-a-r -o-l-d- -L-i-s-a- -b-u-y- -a- P 2,500,000 w-h-o-l-e-l-i-f-e- -p-o-l-i-c-y- -w-i-t-h- -a-n- -a-n-n-u-a-l- -p-r-e-m-i-u-m- -o-f P16,700 (-t-h-e- -p-o-l-i-c-y- -h-a-s- -a-n- -a-s-s-u-m-e-d- -r-a-t-e- -o-f- -e-a-r-n-i-n-g-s- -o-f 5% a- -y-e-a-r-). H-e-l-p- -L-i-s-a- -e-v-a-l-u-a-t-e- -t-h-i-s- -a-d-v-i-c-e- -a-n-d- -d-e-c-i-d-e- -o-n- -a-n- -a-p-p-r-o-p-r-i-a-t-e- -c-o-u-r-s-e- -o-f- -a-c-t-i-o-n-.
1. L-i-s-a- -a-n-d- -M-i-c-h-a-e-l- - -a-r-e- -a- -d-u-a-l-c-a-r-e-e-r- -c-o-u-p-l-e- -w-h-o- -j-u-s-t- -h-a-d- -t-h-e-i-r- -f-i-r-s-t- -c-h-i-l-d-.- -M-i-c-h-a-e-l- -a-g-e 29, a-l-r-e-a-d-y- -h-a-s- -a- -g-r-o-u-p- -l-i-f-e- -i-n-s-u-r-a-n-c-e- -p-o-l-i-c-y-,- -b-u-t- -L-i-s-a-’-s- -e-m-p-l-o-y-e-r- -d-o-e-s- -n-o-t- -o-f-f-e-r- -l-i-f-e- -i-n-s-u-r-a-n-c-e-.-
A- -f-i-n-a-n-c-i-a-l- -p-l-a-n-n-e-r- -i-s- -r-e-c-o-m-m-e-n-d-i-n-g- -t-h-a-t- -t-h-e 25 y-e-a-r -o-l-d- -L-i-s-a- -b-u-y- -a- P 2,500,000 w-h-o-l-e-l-i-f-e- -p-o-l-i-c-y- -w-i-t-h- -a-n- -a-n-n-u-a-l- -p-r-e-m-i-u-m- -o-f P16,700 (-t-h-e- -p-o-l-i-c-y- -h-a-s- -a-n- -a-s-s-u-m-e-d- -r-a-t-e- -o-f- -e-a-r-n-i-n-g-s- -o-f 5% a- -y-e-a-r-).
H-e-l-p- -L-i-s-a- -e-v-a-l-u-a-t-e- -t-h-i-s- -a-d-v-i-c-e- -a-n-d- -d-e-c-i-d-e- -o-n- -a-n- -a-p-p-r-o-p-r-i-a-t-e- -c-o-u-r-s-e- -o-f- -a-c-t-i-o-n-.
2. J-a-c-k- -a-n-d- -R-o-s-e-,- -b-o-t-h- -g-r-a-d-u-a-t-e- -s-t-u-d-e-n-t-s-,- -m-o-v-e-d- -i-n-t-o- -a-n- -a-p-a-r-t-m-e-n-t- -n-e-a-r- -t-h-e- -u-n-i-v-e-r-s-i-t-y-.- R-o-s-e- -w-a-n-t-s- -t-o- -b-u-y- -r-e-n-t-e-r-’-s- -i-n-s-u-r-a-n-c-e-,- -b-u-t- -J-a-c-k- -t-h-i-n-k-s- -t-h-e-y- -d-o-n-’-t- - -n-e-e-d- -i-t- -b-e-c-a-u-s-e- -t-h-e-i-r- -f-u-r-n-i-t-u-r-e- -i-s-n-’-t- -w-o-r-t-h- -m-u-c-h-.- -R-o-s-e- -p-o-i-n-t-s- -o-u-t- -t-h-a-t-,- -a-m-o-n-g- - -o-t-h-e-r- -t-h-i-n-g-s-,- -t-h-e-y- -h-a-v-e- -s-o-m-e- -e-x-p-e-n-s-i-v-e- -c-o-m-p-u-t-e-r-s- -a-n-d- -s-t-e-r-e-o- -e-q-u-i-p-m-e-n-t-.-
-T-o- - -h-e-l-p- -t-h-e- -R-o-s-e-’-s- -r-e-s-o-l-v-e- -t-h-e-i-r- -d-i-l-e-m-m-a-,- -s-u-g-g-e-s-t- -a- -p-l-a-n- -f-o-r- -d-e-c-i-d-i-n-g- -h-o-w- -m-u-c-h- - -i-n-s-u-r-a-n-c-e- -t-o- -b-u-y-,- -a-n-d- -g-i-v-e- -t-h-e-m- -s-o-m-e- -i-d-e-a-s- -f-o-r- -f-i-n-d-i-n-g -a- -p-o-l-ic-y-.
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