You are performing an insurance needs analysis for your client Tabitha. Tabitha currently takes home $4,500 per month. Using a "Capitalization of Lost Income" approach, how much life insurance does Tabitha need assuming the rate of return will be 5057 5450.000 5540.000 5900,000 51 080.000 Nigel is a world-travelled photographer. Now in his early 80s Nigel feels that he should have individual disability Vinsurance However given his rather unique career and his travel around the world, he is unsure whether he would quality for disability insurance and if so how. Which of the following staterys is correct? exions gebe integrated into the contract by the insurance company contracepremium will not bented by the insurance company cations wobe incorporated to the contract by the insurance company Cracow obembosed by the insurance company You have completed an application for critical liness (CI) insurance with your client. You review the data collected and you inform them about the Medical Information Bureau (MIB). Which of the following statements about the MIB is correct The Information from the me will be used to by the insurance companies to determine whether the applicants robe orde the wormation from the MB will be used by the insurance companies to protect themselves against applicantu eing to ensure themselve A member company is automatically authorized to search and the medical information concerning Slicante The mis collects addisonal medical intarmation such as medical mediante stood and urine Tocando Je 20