Dere has bought a home 3 years ago and just started his own family. He recently has a baby boy named Nathan. He always wants to protect his income by purchasing life insurance. However, he is unsure about the appropriate coverage amount. Which of the following factors should he not consider to determine the suitable coverage amount?
a) The number of years he has been working
b) Their mortgage balance and educational expense for Nathan
c) The amount of money needed for his family to survive for 10 years
d) His annual income