Sally and Trent have been married for nearly 10 years and they have 8 year old twin daughters. Sally operates her own small business as a sole proprietor and Trent is a schoolteacher. Trent expects to be promoted to vice-principal within the next two years. In addition to the family home, the couple also owns a cottage that has been in Trent's family for generations which they hope to one day pass along to their daughters. The couple's main goal for life insurance is to ensure that the surviving spouse maintains their standard of living.When considering life insurance coverage, which of the following is the MOST important consideration for Sally and Trent given their insurance needs?

a)Life insurance should cover the value of Sally's business to cover any tax owing on her death.

b)Life insurance on Trent should include an option to increase coverage.

c)The required coverage amount should be reduced by the value of the cottage.

d)Sally should consider a buy-sell insurance policy.