Elliot, 39 and Maribel, 38 are a married couple who have switched from being the ones taken care of to being the ones taking care of his parents. Terry, 70, and Wanda, 65, now live with Elliot and Maribel, along with their nephew Bryan, 7. Bryan’s parents died suddenly in a tragic train accident. Bryan’s parents had the foresight to purchase life insurance, leaving Bryan with an ample sum of money for his future, and leaving Elliot and Maribel less to worry about with their new responsibilities. Terry and Wanda also plan to leave an inheritance. Since Terry has owned a family-owned restaurant for the majority of his life, he wanted to obtain life insurance so that both of his sons will benefit from his assets. Terry’s other son, Bob, 45 will operate the restaurant, but Elliot will benefit as well through Terry’s life insurance plan. Terry and Wanda want to be sure their sons are rewarded for taking on the responsibility of caring for the two of them.