Marianne and Roger are in good health and have reasonably secure careers. Each earns $$45,000$ annually. They own a home with a $$125,000$ mortgage; they owe $$25,000$ for their car loans and have $$22,000$ in student loans. If one should die, they think that funeral expenses would be $$12,000.$ What is their lotal insurance need using the DINK method?

$[$$$12,000],[$$$86,000],[$$$98,000],[$$$172,000],[$$$217,000]$

$$12,000$

$$86,000$

$$98,000$

$$172,000$

$$217,000$