b. Kathy is totally disabled in an auto accident when she failed to stop at a red light. After six months, she has not recovered and remains totally disabled. As a result, she cannot return to her former job or work in any occupation based on her previous training and experience. She finds that the pre- mium payments for life insurance are financially burdensome.

c. When she retires, Kathy would like to have the cash value in the policy paid to her in the form of lifetime income. She wants the payments to con- tinue for at least 10 years.

d. Kathy is terminally ill from a serious heart condi- tion. Kathy's physician believes she will die within one year. Kathy has no savings and health insur- ance, and her medical bills are soaring. She needs $50,000 to pay all medical bills and other financial obligations.

e. Three years after the policy was issued, Kathy was diagnosed with breast cancer. As a result, she is now uninsurable. She would like to purchase addi- tional life insurance to protect her family.