Your clients Aiden, 35, and Delora, 37, have had many life changes in the past year. Aiden secured a new job and a large raise. They welcomed their second child and now have two children under four years old. To accommodate the baby, they renovated and refinanced their existing mortgage. Delora will be a stay at home mom and no longer has group insurance coverage through her employer. They meet with you to discuss how these changes might impact their needs for insurance. Which of the following statements concerning Aiden and Delora's insurance needs is correct?

a)		The newborn child is a minor and will be covered under the existing coverage.
b)		Their insurance needs should not consider Delora since she is no longer earning an income under her stay at home mom status.
c)		The mortgage was refinanced and the bank would be responsible for providing mortgage insurance.
d)		Aiden may need additional coverage if his new employer offers less group life insurance than his previous employer.