two meetings with the |

You meet with your clients John and Jenny Smith to discuss questions they have about health insurance and disability insurance. They want your help in evaluating both their insurance needs and the insurance coverage they already have. The Smiths have also decided they would like to start planning for retirement and would like some information on long-term care insurance. Review the case notes and background of your clients and address the assigned critical elements regarding health, disability, and long-term care insurance.