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?