Elissia and Hank are married with no children. Both are full-time professionals with similar incomes, and own all major property as joint owners with rights of survivorship. The couple has a mortgage on their home, and they have life insurance through the bank that is linked to their mortgage. They do not have any other debts. What is one valid reason they may want to consider additional life insurance? a) To replace income in the event of injury or illness. b) Because the premiums are more affordable now while they are younger. c) To pay for the tax liability of the estate of the passing spouse. d) To cover final expenses if one was to pass away prematurely