# data[].attributes.body
1) -single person: auto insurance as well as basic health insurance and disability.
-Family: Short term life insurance to help kids/wife if something happens and disability
-Retire: Long term life insurance and Long term care insurance.
2) Human worth: 179,082.38

# data[].attributes.body
1) Who needs it:
someone who needs to maintain their current standard of living should they become disabled and unable to work
2) Examples: Paying off student loans, mortgage, married with two working spouses, kids are crown and no longer dependent
3) Types of disability:
- Workers compensation: If one suffers an injury or illness at work
- State disability insurance programs: Short term coverage, up top 6 months
- Social security: Covers most workers, but must qualify
- Employer-sponsored coverage: Given out by employer
- Individual disability insurance: The most flexible and reliable source of coverage is an individual disability insurance policy that you purchase on your own

# data[].attributes.body
1) Who needs it?
- Anyone who’s has been in an accident or suffers from a debilitating illness may also require round the clock care, generally older people.
2) Types covered:
-Nursing home

-Assisted living

-Adult day care services

-Home care
-Home modification
-Care coordination.
-Future service option

# data[].attributes.body
1) Scenario 1: I would choose basic health and disability insurance because I would be single, so life insurance would be worthless because I would not have to protect anyone. I would need health insurance and, depending on my job, I would need disability.
2) Scenario 2: I would choose life insurance, disability and probably health, car, and home. Because I have a family to take care of, I would get life in case something happened. Then, I would protect my assets with home, car, and health insurance.
3) Scenario 3: I would get long term care insurance because I would soon be unable to live on my own. I would not need life because my debts would probably be payed off and I have no kids.

# data[].attributes.body
1)  Life events
- First job: Higher risk driving everywhere
- Getting married: Protect someone else if something happens
- Buying a house: mortgages
- Having a child: Protect them against debts left behind
- Changing jobs: Could be more physically demanding
- Family business: Keep business running
- Debt: If something happened, would go to family