In this case what insurace is needed? How to evaluate? Pricing?

vide Traditional Family reser He clar : sar Joseph age 41 and spouse Mary age 40 Gross income Joseph is $120,000 annually; Mary works part-time earns $40k an 160,000 connned Live in Western Massachusetts Credit card debt $12,600 at 12.8% APR ljoint checking account with $3,500 Home valued at $445,000 Homeowners insurance on home (What's needed) Yours to profil Mortgage on home $333,330; monthly payment $1,666 Medical insurance through Joseph HDHP at $320/mo; HSA available but they don't contribute Joint Whole Life insurance policy $100k; cash value $8,450 Own two autos 2009 SUV; 2007 model car Joseph 401k balance $750,000, contributes 6% salary: Mary does not contribute as plan not offered Jos credit score 720 Mary 760 Two sons Tim and Tom ages 10 and 12 personal property 20% value of home Variable housing expenses $3,600/mo College fund? vide Traditional Family reser He clar : sar Joseph age 41 and spouse Mary age 40 Gross income Joseph is $120,000 annually; Mary works part-time earns $40k an 160,000 connned Live in Western Massachusetts Credit card debt $12,600 at 12.8% APR ljoint checking account with $3,500 Home valued at $445,000 Homeowners insurance on home (What's needed) Yours to profil Mortgage on home $333,330; monthly payment $1,666 Medical insurance through Joseph HDHP at $320/mo; HSA available but they don't contribute Joint Whole Life insurance policy $100k; cash value $8,450 Own two autos 2009 SUV; 2007 model car Joseph 401k balance $750,000, contributes 6% salary: Mary does not contribute as plan not offered Jos credit score 720 Mary 760 Two sons Tim and Tom ages 10 and 12 personal property 20% value of home Variable housing expenses $3,600/mo College fund