Bob and Tina are married, and in their fifties. They live in a fully paid for home and have no debts. They have $$50,000$ in savings. Bob works full$-$time and Tina is at home full$-$time, looking after Bob's mother, who is disabled and lives with them. The mother needs constant care and lacks the resources to pay for a nursing home. Bob has $$500,000$ of permanent life insurance on himself but there is no insurance in place on Tina. What need, if any, could you see for life insurance on Tina's life?