Please use the "Needs Approach" to determine the recommended life insurance coverage for Jun-Li. She would like to have enough insurance to meet her final expenses ($25,000), pay off her loans, and provide 4 years of income for her survivors. Jun-Li has a mortgage balance of $100,000, an auto loan balance of $15,000, credit card debt of $5,000, and a federal student loan with a balance of $42,500. Her annual salary is $60,000. How much life insurance coverage would you recommend to Jun-Li to be sure her goals are met? A. $145,000 B. $422,500 C. $427,500 D. $385,000