LORAINA

sUE AND tOM wRIGHT ARE ASSISTANT PROFESSORS AT THE LOCAL UNIVERSITY. THEY EACH HAVE 40,000 PER YEAR AFTER TAXES. sUE IS 37 AND TOM IS35. THEIR 2 CHILDREN ARE 13,11.WERE EITHER OF THEM TO DIE THEY ESTIMATE THAT THE REMAINING FAMILY MEMBERS WOULD NEED 75% O...