De Shawn is 38 years old and is married with 3 children, ages 2, 4, and 6. He makes $45,000 a year and is planning to retire when he turns 60. From the following three options, De Shawn decides to buy the $900,000 20 year term policy. Given De Shawn’s scenario, assess whether De Shawn made a wise decision.
A. De Shawn would be safer buying whole life policy.
B. De Shawn would have more money in the long run if he invested in the 20-year endowment.
C. De Shawn’s current policy will cover his family for an adequate period of time at his current salary.
D. De Shawn’s current policy has too high of a face value and does not cover his family long enough.

De Shawn is 38 year old at the moment with three kids all young. On the other hand, the face value is good and covers the family for an adequate period of time. Given his current salary and retirement age that he is planning to retire on, it looks appropriate for De Shawn to take up this policy. The other provided options like option A suggesting buying whole life policy or option B suggesting De Shawn has money for 20-year endowment investment can be considered due to the $45,000 a year salary limitation and the current policy does cover his family for a good time as well.