Final answer:
H and W should consider Joint Life insurance to ensure the mortgage can be paid if one spouse were to die.
Step-by-step explanation:
If H and W are concerned that if either one were to die, the other's salary would not be enough to pay the mortgage, they should consider Joint Life insurance.
Joint Life insurance is a policy that covers two individuals simultaneously and pays a death benefit when one of the insured individuals dies. This would ensure that if one spouse passes away, the surviving spouse receives a payout that can be used to pay off the mortgage.
Face amount refers to the death benefit amount specified in the insurance policy, and it is not specific to a type of insurance. Variable life and Interest sensitive whole life are other types of cash-value (whole) life insurance policies, but they do not specifically address the concern of the mortgage being paid if one spouse were to die.