Sam and Susan Scully have come to financial planner Lissa Cardenas to ask about the adequacy of their life insurance coverage. They have two children ages 4 and 2. They are each 35 years old. Sam works full-time in a management position in a manufacturing company. He earns $95,000 p.a. and does not expect further promotions, but does expect his salary will keep pace with inflation. His take home pay is $70,000 after all deductions. Susan spends much of her time as a homemaker, but she earns $15,000 p.a. in part-time jobs, which is also her take home pay. She expects she will continue to do that in the future. They plan to retire when Sam reaches age 65. They would like to continue to support the children for the first few years after high school; they are saving a small amount every year in an RESP for them. The balance in the RESP is now $10,000. They live in Wawanesa, Manitoba. They also have $40,000 in TFSAs, $10,000 in bank accounts and $4,000 in an RRSP. Sam will get a reasonably good empl
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