Brian and Jill are concerned if they have adequate insurance for their auto, home and life. They have a split limit policy of $50k/$100k/$50 for liability limits and $500 deductibles, but they don’t understand what this really means. Eric and Tammy also have their home insured 100% of its actual cash value and they have replacement cost coverage on their property. They would like you to explain to them what these numbers mean and provide guidance if needed.