Financial Planner

Answer: C - There are many risk exposures to consider, including whether a client depends on earned income, whether loss of earnings from premature death would be relevant, whether the client owns a property, operates a motor vehicle, or works in a high liability profession. Miriam does not have any dependents and has enough savings that loss of income would not be a high risk to her financial stability. Andrea and Stephen have similar circumstances in that a loss of their income would not put a large financial burden on either them or dependents. While Mark and Stephen are both in high liability professions, Stephen’s medical liability insurance is covered, so Mark has the highest risk exposure.