4. Describe the 80% coinsurance rule and report to the Butterfields how this rule affects their horneowners CDVEI'ElgE . 5. What actions can the Butterfields take to reduce their insurance premiums while maintaining adequate coverage in terms of liability and property coverage? 6. Explain why the Butterfields should consider purchasing an excess liability insurance policy. 7. Describe the purpose of longterm care insurance and indicate whether and when the Butterfields should consider purchasing this type of insurance. 8. Report on the advantages and disadvantages associated with the Butterfields' current health insurance policv