LO3,4,5 5. Choosing among types of life insu rance. Sofia Fernandez, a 38-year-old widowed mother of three children (ages 12, 10, and 4), works as a product analyst for a major consumer products company Although she's covered by a group life insurance policy at work, she feels, based on some rough calculations, that she needs additional protection. Eric Hart, an insurance agent from Insurance Advisers, has been