Sylvia is least likely to use a life policy, since she has been seriously injured but fortunately she has not died, and her injuries have not caused a terminal or critical illness. Instead, she is more likely to use a property policy or a disability policy, given that, as a result of the tornado, her home and her car have been damaged, and she is injured and cannot work for six months. The property policy will cover the material damages, and the disability policy will provide her with an income while she is unable to work.