The Trents are in their early thirties and have two children. They have just purchased a house with a low down payment, so they have a fairly high mortgage. They own two older cars. Darren Trent works as an engineer with growing earnings potential and he has very basic medical coverage and a small insurance policy at work. Rita Trent is studying accounting part-time while she stays home to look after the children. Analyze the insurance needs of this family. Please provide the reasons for each decision