explain to Marcus Stewart two reasons a will is important in estate planning tool.

Marcus Stewart has recently been selected for the position of Vice President of Horizon Corporation in Oregon. Horizon Corporation is the leading Stock Brokerage Firm facilitating stock trading in the United States for more than a decade. Marcus's job is extremely stressful. Horizon Corporation are licensed brokers with an assigned number from the market regulator, Security Board of Oregon and, and is a member of the NYSE (New York Stock Exchange). Horizon Corporation believes in growing and pushing the organization, without compromising the level of services they offer to their customers. Yesterday he received a copy of Horizon's employee health major medical and life insurance plan. The benefits from Horizon focus primarily on exposures due to major medical, life insurance, sickness, death, and retirement. Thus, Marcus will concentrate his initial analysis in those areas. As he begins, his mind quickly boggles at all of the possible ways his death or loss of health could affect others. He and his wife each work full time to maintain their desired standard of living. If they move to another state and buy a new house and then one of them dies, the survivor would definitely face financial difficulties. Marcus is also sufficiently confident about his future success with Horizon that he suspects that his death might cause problems for Horizon itself. Similarly, a lengthy illness that kept him out of work for several months (or years) might also cause problems for both Horizon and the Stewart family. Marcus thought about the everincreasing cost of medical care itself many years into the future. It's hard to picture himself tired, but he does hope that he lives that long. Marcus knows that he needs to plan for any insurance eventualities with realistic assessments of these exposures. Imagine that you are a Senior Insurance Advisor retained by Horizon Corporation. Your services are required below to explain to their new executive recruit Marcus Stewart the questions below