Question $29(2\mathrm{.}5$ points$)$

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Which of the following is true as it relates to disability insurance?

As a general rule, an individual's mortality risk is usually much higher than morbidity risk.

Most individuals should have a minimum $60$ percent of their gross income protected with a disability insurance policy.

All of these are correct.

From a risk perspective, short$-$term disability coverage is far more important than long$-$term coverage.