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Dorothy, age 36, is an architect.

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Dorothy, age 36, is an architect. She runs her own office with the help of two assistants. She owns her own condo, has an active social life, and travels regularly for pleasure. She has a net annual income of approximately $125,000, once all the business, rent, salary, and car expenses have been paid. Dorothy is well aware of the significant financial problems that she would face for any absences from the office due to illness or disability. What are Dorothy’s main protection needs in this respect?

A.

Protect 60% of her net annual income.

B.

Protect 100% of her net annual income.

C.

Protect business overhead expenses.

D.

Protect 60% of her net annual income and business overhead expenses.

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