For each of the following scenarios select the most important insurance policy benefit or rider that should be included on the policy. Prioritize them by the the likelihood and signifcance of the potential loss they protect against Brenda is a 28 year old single accountant who works for a small accounting firm that provides no employee benefits. She is applying for her own disability insurance Choose... coverage. In future she hopes to start her own practice. Which is the most important rider for her? Sam is a 50 year old business owner with a family. She earns over $300,000 annually and maximizes all her tax sheltered savings plan. She has decided to start a flexible universal life insurance policy to provide tax sheltering for additional savings, but also to ensure that there will be funds available at her death to manage Choose... estate taxes, provide a legacy to her children, and wants toe cash value available to her should she need the funds in future for some reason. Which is the most important rider for her? _ J Choose... Bill is a 3] year old professional who plans to get married and have children in the next few years . He is Return of premium starting a permanent life insurance policy for $100,000 Hospitalization benefit as he already maximizes his TFSA and RRSP savings Family coverage rider 1 and wants to have his life insurance in place. Which is Terminal illness benet the most important rider for him? Residual DI benefits Accidental death Accidental death and dismemberment Accidental dismemberment benefit Guaranteed insurability benefit rider a Long term care rider Future purchase Option rTuIn. wudVitV