Rick and Susan are looking to buy insurance to cover Rick's salary since Susan is a stay-at-home mom to their three children. Rick's salary is $120,000 per yer and they feel like they would need to replace this for 20 years until the children are out of school. If they believe they can get a 4.5% return after taxes and inflation, what are their insurance needs today? $1,248,761 $2,400,000 $1,200,000 $1,493,798 I