Gary and Olivia, who have two children ages 3 and 5, want to protect their assets. They carry full coverage on their vehicles with a deductible of $100. They pay monthly premiums of approximately $200 per vehicle. Gary and Olivia also have health insurance. Through Olivias plan at work, she pays $800/month for health insurance for her family. Also, Olivias employer provides disability insurance that would provide 60% of her salary should she become unable to work. Gary does not have disability insurance, and neither of them have life insurance. What are your recommendations for Gary and Olivia with regards to (1) lowering their auto insurance monthly premium, (2) health insurance, (3) disability insurance, and (4) life insurance?