Albert, a licensed insurance agent, has just completed his client profile on a new client, Susan, a married mother of 3 young children who has no individual insurance. Susan already has existing disability coverage through her employer. Given this situation which of the following is the most common conclusion that Albert may reach? Select one: a. There is an unnecessary surplus of existing coverage b. There are gaps between needs and the existing coverage c. The existing coverage is complete, adequate and entirely appropriate d. The existing coverage is adequate but there is overlap among sources