Cara was a widow who owned her own home where she lived alone. She had two grown children. Cara was able to take care of herself and to live independently. Then Cara began to show signs of Alzheimers disease. It soon became apparent that she could no longer take care of herself.Her children did not feel that they could care for her because she required constant attention. Her children did not feel that they could care for her because she required constant attention. Cara was moved to a chronic care facility. The monthly expense for her care and shelter was $7,000. The children considered selling Cara's home to defray these costs.

1. After carefully assessing the above situation, discuss what you feel would have been the best possible insurance-related product choose one: term life insurance or permanent life insurance and why? Be sure to consider your clients current and future needs.

2. If your answer is permanent life insurance choose which types is suited for her is it whole life or term-100 or universal life? Why? Be sure to consider your clients current and future needs

3. If your answer is term life insurance choose which types is suited for her renewable, or non-renewable or convertible life insurance and Why?

4. Which supplementary benefits is best suited to her is it accelerated death benefits, accidental dismemberment benefit or waiver of premium for total disability benefit or parent/pay or waiver benefit? why?

5. Which riders can be used to her is it paid-up additions or term insurance rider or accidental death rider or guaranteed insurability benefit rider. Why?

6. Assumed that his husband is still alive what you feel have been best possible insurance related product? why?

7. as an insurance agent what is your pre and post inspection for Cara family?