Larry and Liz are a young couple both working full time and earning about $70,000 a year. They recently purchased a house and took out a large mortgage. Since both of them work, they own two cars and are still making payments on them. Liz has major medical health insurance through her employer, but Larry’s coverage is inadequate. They have no children, but they hope to start a family in about three years. Liz’s employer provides disability income insurance, but Larry’s employer does not. Analyze the need for health and disability insurance for Liz and Larry.