Carrie and Brad have no children nor any pets. Both are attorneys who make more than $100,000 per year. Because they’re relatively frugal, they have only a small mortgage on their jointly owned condo, and they have no outstanding debt. With their high net cash flow and some wise investment decisions, they’ve accumulated a sizable net worth, and both have good retirement plans with their employers. Does either of them need life insurance? Why or why not? If so, how much would you recommend?