Which of the following individuals is likely to need life insurance to manage their income risk? (select all that apply) Kyle is a 32-year old single father of a young daughter. He has a net worth of $29 million Shelby is 67 years old. She earns $40k per year, and her husband (age 70) earns $60k per year. Her kids are grown up and moved out. Her net worth is $56,000. Garth is 21 years old. His net worth is -$35.000. He earns no wages or salary as a full-time student Kelly is 33 years old. She has three young children at home. Her husband is disabled and collects $14.000 per year in Social Security benefits. She earns $69,000 per year at her job. Her net worth is $28,000. Caleb is 42 years old. He earns $50,000 per year, and his wife earns $53,000 per year. They have no children and a net worth of $12.000