Lisa and John are concerned that they may not be adequately covered, as Lisa has $50,000 in a whole life policy, as well as $150,000 in her group policy through work, and John has $86,000 through his work group life insurance. Both Lisa and John have disability insurance and group medical insurance through their group policy at work.

What three specific recommendations do you have for these clients with respect to their Life and health insurance coverage, along with your rationale.