John and Janet had three young children and were married for seven years when John was killed in an industrial accident. The year before the accident, they had purchased a home and arranged for a $250,000 mortgage at their local bank. At that time, both John and Janet were working and they felt comfortable that they could handle that mortgage obligation.

After carefully assessing the above situation, discuss what you feel would have been the best possible insurance-related product or combination of products for your client(s). Be sure to consider your client(s) current and future needs.