Robert is a $25-$year$-$old qualified carpenter who is a subcontractor to various builders. He is earning R$50,000$ gross but pays R$30,000$ in expenses, most which are fixed expenses i$.$e$.$ a financed car and leased equipment. Robert rents an apartment and spends the rest of his earnings on living and entertainment expenses. Robert has little in the way of savings.Robert has a car accident and is hospitalized for one month. He then faces a long and painful rehabilitation process of $12$ months to try to regain the use of one of his arms. There are medical bills to be paid particularly for physiotherapy and rehabilitation sessions. Robert has no income for $13$ months but must continue to pay his lease costs of R$20,000$ per month. What little money Robert receives in disability payments from the government wont cover his rental costs. Robert has to move back home and borrow money from his parents. Robert also faces a lawsuit from the person that he drove into when he had an accident. If he doesnt recover the use of his arm Robert will never be able to work as a carpenter again and will have to retrain into a potentially lower paid job.Using your knowledge about different financial products in the South African market, what insurance products do you think Robert should have taken to financially protect himself? Name any $5.$