Thomas and his spouse, Andrea, have three children, the youngest of whom is 10. Their salaries are roughly equiralent al

around ST5 N00 each.f Thomas les his spuse. Re woudreceve eath moth, Stroton tegwerrert paraidan

orphan's pension of $230 for each of his three children. He would also receive a monthly pension of $920 fronhis spouses pension plan. The monthly expenses after his spouse's death are estimated at $4,500. Thomas's disposable incorne wilbe about $1,800 a month. He is worried about the impact on his children's standard of Iwing, especialy over the nert 10 years.

What is the annual shortfallif Andra dies?

$28,080

9360

0 84680

0 3800