Wesley and Esther are homeowners . Their mortgage balance is $ 225,000 and their monthly mortgage payments are $ 1,500 . Wesley does all of the maintenance around the house and small repairs when required If Wesley dies Esther wants to be able to keep the house for 20 years While she would continue to work , her Income would only be sufficient to cover the house Esther would not be able to afford the mortgage payments , and she would not do the home maintenance that Wesley does What should the insurance on Wesley's life be able to cover at a minimum to permit Esther to keep the house ?

a . Payment of the mortgage loan balance , the monthly mortgage payments for the remainder of the loan amortization, and the annual costs of the house for 20

b . Repayment of the mortgage loan balance and the annual costs of house maintenance for 20 years

c. Monthly mortgage payments for the remainder of the loan amortization

d . Repayment of the mortgage balance