Reference no: EM133169276

Question - Anna and Kristoff are married and both are 35. Kristoff works as the manager in a shipping company earning $60,000 a year. He has no group benefits. Anna is self-employed, working as an interior design consultant. She grosses $60,000 a year and typically has about $15,000 in tax-deductible business expenses, annually. In addition to their earned incomes, the couple shares a total of $20,000 annually in investment income, which they report equally for income tax purposes. As well, Anna receives $10,000 a year (for the next 15 years) in trust income from a testamentary trust set up by her great uncle. They have asked you to discuss their needs for disability insurance. What sources of income would the insurance company take into consideration in determining the maximum amount of coverage that the company would issue on Anna?