Priya and Prateek are married and are $28$ and $29$ years old, respectively.

They are earning INR $68000$ each per month and planning to increase their

family. They are concerned about financial uncertainties which may or may

not arise in future like lose of job, health ailments or death. You need to

create a plan for Priya and Prateek to counter risk from uncertainties keeping

in view that both are maintaining good health despite consuming alcohol

frequently in parties. They have no dependent member as of now and their

parents are independent. They do not have any liabilities to pay off.