Jean has a term life policy with a death benefit of $100,000. Assuming the following, how much more life insurance does Jean need (using needs analysis)? - Final expenses of $15,000 - Husband needs $85,000 per year (age 40) while his only child is living with him - Husband will need $75,000 per year after child leaves home - Child is 10 years old and need $150,000 for college - Husband will receive Social Security payments of $21,000 per year starting at age 67 - Husband earns $72,000 per year at job and will continue working until age 67 - Assume Husband will live to age 90 - The family has a $150,000 mortgage and $15,000 in car loans which should be paid off at Jean's death - Family receives $12,000 per year in Social Security survivor benefits until child reaches age 18 . - Return on invested money is 5% - Expected inflation rate is 2%