1. You and your wife are a young couple both working full-time and together earning about $80,000 a year. You recently purchased a house and took out a large mortgage. Since both of you work, you own two cars and are still making payments on them. Your wife has major medical health insurance through her employer, but your coverage is inadequate. You have no children, but you hope to start a family in about three years. Your wife’s employer provides disability income insurance, but your employer does not. Analyze your need for health and disability insurance. (LO9.2)