For families with young children or couples with a living standard that is relatively high for their income, the amount of insurance needed will be high. As a result,
a. the priority should be to provide the most possible permanent insurance
b. the priority should be to provide adequate death protection
c. the couple should be encouraged to save for several years until they can afford to purchase permanent insurance
d. a combination of term and permanent insurance should always be recommended regardless of how little the client can afford