Which of the following are steps one should take in an insurance needs analysis?

a) Total Amount of Life Insurance Needed by deducting net worth from the total capital needed.

b) Prepare balance sheet that lists allassets available to support dependents and liabilities that will need to be paid out.

c) Determine total capital needed by adding items like final income taxes, emergency fund, etc.

d) Calculate the additional life insurance needed by taking the total amount of life insurance needed and subtracting an insurance already held.

e) Develop a plan of action that includes what assets should be insured and which perils should be insured against.

f) Calculate capital needed to support periodic payments to provide for dependents lifestyle, education and other costs.