About your client:

Name: Samantha Benson Age: 54 Marital status: Married 2 adult children with former spouse, 1 minor child with current spouse Health: Great health (an active tri-athlete) but a family history of heart disease Occupation: Senior Director for Lion Industries, a $3 Billion Industrial Materials Firm Income: $270,000 salary per year + bonus/stock options up to $1.5M Total assets: $2.2M (not including value of home) Total debt: $750,000 (which mostly is a mortgage on her primary residence of $600k) Dependents: Minor child is age 17 Other notes: It is important to Samantha to provide for all 3 of her children in the event of her early death. The adult children are struggling to find their way in life and Samantha feels they have not yet established a secure future for their own families. Samanthas former husband has very little assets. Her curent husband is an Executive Director at a BioTech company, but he and Samantha like to keep their finance separate as they feel they have each accumulated on their own prior to their relationship.

1) Samantha qualifies for group coverage through her employer. If she leaves to accept an offer at a competing firm, but chooses to take 6 months of in the interim, what are her options to bridge the gap in coverage