1-s-t- -s-i-t-u-a-t-i-o-n O-n-e- -o-f- -y-o-u-r- -f-r-i-e-n-d-s- -m-e-n-t-i-o-n-s- -t-h-a-t- -h-e- -p-l-a-n-s- -t-o- -b-u-y- -a- -v-a-r-i-a-b-l-e- -l-i-f-e- --i-n-s-u-r-a-n-c-e- -p-o-l-i-c-y- b-e-c-a-u-s-e- -i-t- -p-r-o-v-i-d-e-s- -a- -g-o-o-d- -a-n-n-u-a-l- -r-e-t-u-r-n- -a-n-d- -i-s- -a- -g-o-o-d- -w-a-y- -t-o- -b-u-i-l-d- -s-a-v-i-n-g-s- -f-o-r- -h-i-s- 5--y-e-a-r- -o-l-d-’-s- -c-o-l-l-e-g-e- -e-d-u-c-a-t-i-o-n-. A-n-o-t-h-e-r- -f-r-i-e-n-d- -s-a-y-s- -t-h-a-t- -s-h-e-’-s- -a-d-d-i-n-g- -c-o-v-e-r-a-g-e- -t-h-r-o-u-g-h- -t-h-e- -g-r-o-u-p- -p-l-a-n-’-s- -a-d-d-i-t-i-o-n-a-l- -i-n-s-u-r-a-n-c-e- -o-p-t-i-o-n-.-- -W-h-a-t- a-d-v-i-c-e- -w-o-u-l-d- -y-o-u- -g-i-v-e- -t-h-e-m-? 2-n-d- -s-i-t-u-a-t-i-o-n- A-s-s-u-m-e- -L-i-s-a- -h-a-d- -a- -h-o-m-e-o-w-n-e-r-’-s- -i-n-s-u-r-a-n-c-e- -p-o-l-i-c-y- -w-i-t-h P5,000,000 -o-f- -c-o-v-e-r-a-g-e- -o-n- -t-h-e- -d-w-e-l-l-i-n-g-.- -W-o-u-l-d- -a 90% c-o-i-n-s-u-r-a-n-c-e- -c-l-a-u-s-e- -b-e- -b-e-t-t-e-r- -t-h-a-n- -a-n 80% c-l-a-u-s-e- -i-n- -s-u-c-h- -a- -p-o-l-i-c-y-?- -G-i-v-e- -r-e-a-s-o-n-s- -t-o- -s-u-p-p-o-r-t- -y-o-u-r- -a-n-s-w-e-r-.
1-s-t- -s-i-t-u-a-t-i-o-n
O-n-e- -o-f- -y-o-u-r- -f-r-i-e-n-d-s- -m-e-n-t-i-o-n-s- -t-h-a-t- -h-e- -p-l-a-n-s- -t-o- -b-u-y- -a- -v-a-r-i-a-b-l-e- -l-i-f-e- --i-n-s-u-r-a-n-c-e- -p-o-l-i-c-y- b-e-c-a-u-s-e- -i-t- -p-r-o-v-i-d-e-s- -a- -g-o-o-d- -a-n-n-u-a-l- -r-e-t-u-r-n- -a-n-d- -i-s- -a- -g-o-o-d- -w-a-y- -t-o- -b-u-i-l-d- -s-a-v-i-n-g-s- -f-o-r- -h-i-s- 5--y-e-a-r- -o-l-d-’-s- -c-o-l-l-e-g-e- -e-d-u-c-a-t-i-o-n-.
A-n-o-t-h-e-r- -f-r-i-e-n-d- -s-a-y-s- -t-h-a-t- -s-h-e-’-s- -a-d-d-i-n-g- -c-o-v-e-r-a-g-e- -t-h-r-o-u-g-h- -t-h-e- -g-r-o-u-p- -p-l-a-n-’-s- -a-d-d-i-t-i-o-n-a-l- -i-n-s-u-r-a-n-c-e- -o-p-t-i-o-n-.--
-W-h-a-t- a-d-v-i-c-e- -w-o-u-l-d- -y-o-u- -g-i-v-e- -t-h-e-m-?
2-n-d- -s-i-t-u-a-t-i-o-n-
A-s-s-u-m-e- -L-i-s-a- -h-a-d- -a- -h-o-m-e-o-w-n-e-r-’-s- -i-n-s-u-r-a-n-c-e- -p-o-l-i-c-y- -w-i-t-h P5,000,000 -o-f- -c-o-v-e-r-a-g-e- -o-n- -t-h-e- -d-w-e-l-l-i-n-g-.- -W-o-u-l-d- -a 90% c-o-i-n-s-u-r-a-n-c-e- -c-l-a-u-s-e- -b-e- -b-e-t-t-e-r- -t-h-a-n- -a-n 80% c-l-a-u-s-e- -i-n- -s-u-c-h- -a- -p-o-l-i-c-y-?- -G-i-v-e- -r-e-a-s-o-n-s- -t-o- -s-u-p-p-o-r-t- -y-o-u-r- -a-n-s-w-e-r-.
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