You and your spouse are in good health and have reasonably secure jobs. Each of you makes about $38,000 annually. You own a home with a $110,000 mortgage, and you owe $11,000 on car loans, $2,000 in personal debt, and $3,000 in credit card loans. You have no other debt. You have no plans to increase the size of your family in the near future. You estimate that funeral expenses will be $5,000. Estimate your total insurance needs using the DINK method.