4. You are attending a basketball game with your cousin, Rachel, who knows that you just graduated from one of the top financial planning programs in the nation and starts talking about life insurance. She is 28 years old, was married last year, and makes $70,000/ year as a marketing manager. After asking a few more questions, you find out that she is primarily concerned about providing a death benefit amount to her husband, Brian, at a low cost until she retires and he is able to live off their retirement assets. She also would feel a lot more comfortable if coverage continued without having to pay premiums if she became disabled. Brian also does not have a life insurance policy. What type of life insurance policy and riders would you recommend