Stephen is employed by ABC Company to work in its manufacturing plant located here in Montreal, P.Q. There are a lot of moving pieces of equipment in the manufacturing plant and Stephen feels that the work place is somewhat dangerous. He wishes to be covered by insurance for any eventuality. He hesitates between life insurance and salary insurance. He has asked for advice from you, a duly licensed insurance broker working here in the Province of Quebec. Prepare a written letter responding to the request from Stephen