QUESTION 23 A Financial Needs Approach to valuing how much life insurance a person might need might include all the following except Takes into account all the current life insurance and investments you might have now itemizes the loans and debts you might have now Provides a good estimate of future needs your family might need Discounts high earning years and low earning years to arrive at an average QUESTION 24 Factors that are contributing to the higher cost of Health Care are all the following except Increase in technology advancements Longevity of life Health coverage your employer is paying Higher cost of drugs and medicines QUESTION 25 How can you reduce the risk of rising health expenses and skilled care needs as you age Hire in home care givers to work with your family needs Plan for long term needs and utilize long term care insurance Save as much as possible then gift it away to your heirs Voluntarily be admitted to a long term care nursing home before you are in need of their services