Which of the following are among the needs considered in the Financial Needs Method of determining life insurance death benefit needs?

1) Emergency expense needs.
2) Readjustment period needs.
3) Mortgage liquidation and debt repayment needs.
4) Liability protection needs.

Select one:

a. 1 and 4.
b. 2 and 3.
c. 1, 2, 3, and 4.
d. 1, 2, and 3.