Bob and Barbara Castle are each 39 years old and have sought your advice with regard to their financial affairs.

Bob and Barbara Castle are each 39 years old and have sought your advice with regard to their financial affairs. Bob is a school administrator making $75,000 per year and Barbara is not employed outside of the home. The Castles’ net worth is approximately $190,000. They have three kids ages, 6, 10, & 14. You have determined that the Castles currently have adequate life, health, auto, and homeowner’s insurance. Which of the following forms of insurance is likely to fulfill their highest priority risk management need?a.supplemental major medical insuranceb.disability income insurancec.critical illness insuranced.long-term care insurancee.additional life insurance