Andrew was diagnosed with inoperable cancer, which was very upsetting to him and wife Sara.

The couple operated a small business that required both of them to contribute significantly to ensure its success. Because of Andrew$$s illness, he could not spend much time working at their business.

Sara was also unable to spend a lot of time with their business because she was trying to help Andrew with his needs. Andrew$$s doctors told him that he was not expected to live longer than one year.

Business revenues began to decline and the couple were faced with bankruptcy.

Andrew died approximately $6$ months later, after which Sara was able to resume working.

After carefully assessing the above situation, discuss what you feel would have been the best possible insurance$-$related product or combination of products for your client$($s$).$

Be sure to consider your client$($s$)$ current and future needs.