bill and melinda have two young children ages 2 and 4 and they are not covered under any life insurance policy. Melinda is full time mom and has no incom. Bill makes $50,000 a year. They are on a budget but with only one income, they do not have any extra money at the end of the month. Life insurance does not seem like a pressing issue at this time. What would you suggest Bill and Melinda do when it comes to life insurance coverage?