Defining an Insurance Contract

Olivia is a 25-year old single mother with twin girls who just turned three. Olivia has worked for the last 5 years as an administrative assistant for a local law firm. Olivia’s firm provides her with a basic medical insurance policy and a split definition disability. Which of the following is the biggest risk exposure for Olivia?

  1. Lack of long-term care insurance
  2. Lack of own occupation disability insurance
  3. Lack of comprehensive health insurance
  4. Lack of life insurance