Private insurance provides numerous advantages that can be used to meet specific loss situations. For each of the following situations, identify a private insurance coverage that would provide the desired protection.

1. Jacob, age 30, is married with two dependents. He wants his income to continue if he becomes totally disabled and unable to work.
2. Emily, age 28, is a single parent with two dependent children. She wants to make certain that funds are available for her childrens education if she dies before her youngest child finishes college.