She has just joined Millionaire Financial Planner Company recently as a registered financial planner. Below was a conversation between Mr. T(a potential client) and you that took place yesterday via a telephone call.

She:	Good morning. Im doing a survey on family life. Could you spare a few moments to answer some questions?
Mr. T:	Well, Im rather busy
She:	Sir, itll only take a minute or two. Are you married?
Mr. T:	Yes, I am.
She:	And do you have any children?
Mr. T:	Yes, a daughter and a son.
She:	Have you ever thought about what would happen to your family if youre taken ill or suddenly passed away?
Mr. T:	No, I havent.
She:	Let me tell you about our family protection plan.
Mr. T:	Ok. You may continue.

1. Define insurance from the policyholders perspective.
2. What type of insurance policy or policies would you suggest to Mr. T? Justify your answer.
3. Assuming that Mr. T is 40 years old and is married to Jenny, who is a full-time housewife. Mr. T is earning an annual income of RM100,000 and has no life insurance cover. He is planning to retire at 60 years old. Assume that the weighted rate of return of his investment is 8 percent per annum. Compute the amount of life insurance that Mr. T needs to meet his income requirement.

4. Supposed Mr. T has knee surgery which costs RM20,000. His health insurance plan includes a RM2,000 annual deductible, 20% coinsurance, and an out-of-pocket maximum of RM4,000.Compute the amount covered by the insurance company and the amount of medical fees borne by Mr. T.
5. Mr. T recently bought a new Honda City car for his wife, Jenny. Jenny is a reckless driver. Propose the best motor insurance to Mr. T. Justify your answer.

need help for a,b,c,d and e