Private insurance provides numerous coverages that can be used to meet specific loss situations. For each of the following situations, identify a private insurance coverage that would provide the desired protection.

a. Emily, age 28, is a single parent with two de- pendent children. She wants to make certain that funds are available for her children's education if she dies before her youngest child finishes college.

b. Danielle, age 16, recently obtained her driver's license. Her parents want to make certain they are protected if Danielle negligently injures another motorist while driving a family car. Jacob, age 30, is married with two dependents. He wants his income to continue if he becomes totally disabled and unable to work.