1. Do you think Kathy’s father was planning wisely for the welfare of his family? Can you suggest ways in which this family could have cut monthly expenses and thus set aside some money for more insurance?

2. Although Mr. Jones’s salary was not big enough to buy insurance for all possible risks, what protection should he have had at this time?

3. Suppose Mr. Jones had been seriously injured and unable to work for at least one year. What would his family have done? How might this situation have affected his children?