Life insurance question

25 Wendy is a single parent who has custody of her children, ages 4 and 6. She earns $26,000 per year as an employee. She receives $1,000 per month in child support payments and $1,000 per month in spousal support payments. The court order states that the child support payments must continue until the youngest child reaches the age of 18 years and that the spousal support must continue until Wendy turns 65. Wendy states that she will be able to get by with an income of $2,000 in the event of becoming disabled. Which of the following is the most important factor for the advisor to determine while assessing Wendy's needs? a. O If her ex-spouse has adequate life and disability insurance to ensure the payments continue in the event of his death or disability b. O If Workers' Compensation covers Wendy in the event of a disability C O If Wendy has an emergency fund established to manage financial emergencies d. O If group disability coverage at Wendy's work covers her in the event of a disability