Fred (age 51) is married to Kelly (age 47) and has two children (ages 8 and 15). Fred is trying to determine an appropriate amount of life insurance to buy to replace the $13,000 annual Social Security benefit that Kelly will lose during the "blackout period" following Fred's death. If Fred dies today, how much life insurance would he need for this purpose? (Round your answer to the nearest dollar. Do NOT include a dollar sign or a comma in your answer.)