1. In the mix of premiums the Porterfields can spend, how should Adam and Cassie rank Adam's insurance needs for the seven types of coverage offered? What factors should they consider?
2. Should Adam consider purchasing more life insurance than the company-provided free benefit? What two methods could he use to assess his needs relative to his total life insurance coverage?
3. Name two or three important factors to consider when purchasing disability insurance. Should Adam first consider short-term or long-term disability?
4. Should the Porterfields consider changing their company-provided insurance benefits if they become parents? Defend your answer.

Adam and Cassie Porterfield, a healthy couple in their mid-30s, were delighted when Adam landed a new job with a promotion and increased salary. But they were disappointed to learn that he would not be eligible for benefits for 90 days. The company offers a comprehensive package of health insurance, vision insurance, dental insurance, life insurance (1.5 times salary at no premium charge), short- and long-term disability insurance, and long-term care insurance. An employee can choose how to spend the employer-provided premium dollars to purchase any combination of insurance or additional life insurance.