$34.$ Jack and Jill are a mamed couple who have one child attending university. They both work in an office and they each have a $52\mathrm{.}000$ group disability insurance policy Jack's after tax income is $$48,000$ per year and Jills is $$60,000.$ Considering the $$1,000$ per month they give their son for his housing and tuition costs, they know their monthly expenses total $$7,000.$ Jill's father is gravely ill and she anticipates inheriting rental properties upon his death that they believe will provide $$4,000$ per month of unearned income.

Contidering their current situation, what

recommendation should Jack and Jills insurance agent make regarding their disability insurance coverage?

Jack and ail should each have a $$5\mathrm{.}000$ individual

O duabitty nturance policy $-$ the turtion and housing

expense is temporary.

Jach and Jil are fully covered between the group

O coverage and the rental property income $-$ the tuition

and housing expense is temporary.

Jack and Jill should each consider a temporary

O Individual disability insurance policy of $$1,000,$ until their

child is finished university.

Jack does not require any modification to his coverage.

however, Jill should consider applyina for

individual disability.ine.