Insurance Evaluation Scenario Analysis

Insurance Evaluation Scenario Analysis

Insurance Evaluation Scenario Analysis

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Insurance Evaluation Scenario Analysis

Read the following case scenario in which you are the financial planner.

Jennifer and Brian Jones, (both age 50) live in Santa Fe, New Mexico. They own a home currently valued at $300,000, with a $175,000 mortgage. They have $250,000 of homeowner’s insurance coverage. The replacement cost of the structure, however, is close to $350,000. Their auto insurance has a$100,000 liability limit. They have $100,000 in investment assets held in individual IRA accounts, consisting of mutual funds. The Jones family obtains their health insurance coverage through their employer, but dental visits and eyeglasses are not covered.

They are spending their entire income and not saving. They both work, and each earns $55,000. They both plan to retire at age 66 on their state pension fund (they are both state employees) and Social Security retirement benefits, which they believe to be adequate.

They are eligible for Social Security survivors and disability benefits and are fully insured for retirement benefits, currently available equal to $2,400 per month in today’s dollars. They have no children. Neither has any disability insurance, but Steve has $100,000 of life insurance.

They have asked you to evaluate their life, disability, liability, and homeowner’s insurance needs.

Write a comprehensive, 750- to 1,050-word insurance evaluation in response to your client. Explain the risks that the family has, and provide recommendations to mitigate those risks.

Click the Assignment Files tab to submit your assignment as a Microsoft® Word document.

Assignment Policies



Please read all of the information about the assignments below:


The assignments are to be done in Microsoft Word with Times New Roman 12- point font. Each assignment should use the modified APA 6th edition format. The assignment templates are set up in this modified format. The reference page should be in the APA format for every reference. The word requirement for the assignments are specifically stated in the guidelines of the assignment. The word count is from the first word of the introductory paragraph to the last word of the conclusion paragraph. FYI.


1- There should be a cited reference for each section of a paper as there are conclusion statements in each section (to meet the grading criteria) so the conclusion should be supported by a reference as the assignments are evidence-based research, clinical papers.

2- Word Count- The word count is done from the first word of the introductory paragraph to the last word of the conclusion. The word count must be within the minimum and maximum word limit stated in the assignment instructions. A 10% – point reduction will be made in the total points for the assignment.

Week 1 and 5 assignments should have SIX studies. Week 5 assignment is a compilation of sections from the week 1, 2 & 3 assignments.

Weeks 2 and 3 need to have at least THREE studies in the form of research studies. Please make sure that you look at the instructions for the assignment as well as the grading rubric. I have also provided templates for ALL assignments. It is in your best interest to use these as it will guide you so that you do not make common formatting errors.


Please utilize the resources in the STUDENT SUCCESS CENTER if you have difficulty with APA 6th Edition format, grammar, sentence structure, punctuation or tense structure.


Always submit the assignment in the drop box for that assignment. I cannot accept any assignment as an attachment to an email sent to my college email. Attaching it to a posting to the Questions to Instructor Forum or the Individual Forum is also not accepted.

I cannot grade any assignment unless it is placed into the drop box by the student per university policy.

Turn-It-In / Lopes Write

This is to be used for the assignments for these three weeks (2, 3 & 5) and it is NOT required for Week 1. All assignments will be placed through Turn It In first and then submitted in the drop box on the course shell. No assignments will be accepted as attachments to emails as this is not the university policy.

Grading Rubric-

The rubric for each assignment is found in the upper right- hand corner of the assignment page under the Forum Tab. Compare the requirements of the rubric with your paper prior to submission into the drop box so you will receive full credit for all graded criteria of the paper.

Late Assignment-

Any assignment that is late will have 10% deducted each day it is late. This is a 5- week class. It is imperative that you ask for help if you are having difficulty with an assignment.

You need to contact me as soon as possible if an assignment will be late prior to the submission deadline.