Current expenses of this family (Zainal and Ziela) are as follows: (e) (1) Item Salary Car Petrol Zainal Monthly 12,500 Ziela Monthly 5,550 400 300 Personal Telephone 350 150 Astro Bill 180 Bonus 500 100 Dining Out 300 Personal Clothing 200 300 Children Education need 400 Personal Books 200 200 Zakat on income 500 250 Personal Expenses Maid 650 500 1,500 Vacation 600 Tabung Haji Saving 1000 500 Pocket money to parent 550 Child School Pocket Money 250 COCKOO Water Filter 150 Electricity Bill 500 Water Bill 250 Indah Water bill 50 Family Groceries 1,300 Using the result from (a) and (c), calculate the new total expenses per year for his family if Zainal dies. Calculate the capital needed to sustain his family. 3 Zainal has a takaful plan with a total coverage of RM350,000 in the case of natural death and RM450,000 in the case of accidental death. His annual contribution is RM9,000. Zainal has an outstanding credit card debt balance of RM3,000, while Ziela has a balance of RM2,500. They have been using credit cards for their shopping convenience. (g) Using the result from (b) and (d), calculate the amount of takaful coverage that Zainal needs to cover for the family.