John is a thirty-five-year-old nuclear engineer who has been working for Virginia Power since 2009. His wife, Karen, is a thirty-year-old homemaker. They have been married for five years. John and Karen have a nine-month-old infant named Tristian. John and Karen are in good health. They are looking forward to having another child, but Karen has high pregnancy risk. This has to be taken into consideration when selecting health insurance coverage for the family. Their annual net income is $72,000 (John’s salary of $100,000, less taxes and other deductions). They own two cars. John drives a 2018 Toyota Camry with outstanding mortgage $15,000 and Karen drives a 2006 Honda Civic with all mortgage paid-off. They need good insurance coverage because John is the only one who is working. You can always add more information, like the current assets, the employee benefits, average medical expenses incurred every year and other necessary information to insurance planning.