A new tenant. They are delighted to know that you are a student of insurance as they are willing to inquire about some few things about insurance. 1) Kindly advise the couple on the defenses to a product liability 2) They have been hearing about Insurance and they would love to know the benefits and functions. Kindly intimate them with this functions. 3) They want you to explain what you understand by risk and it's different types. 4) The couples belong to a school of thought that they can't die early in life. However, they believe they still need life Insurance but not necessarily a death protection. What would be your advice to them?