Sara is employed as a certified public accountant (CPA). Sara's husband, Tom is employed as an architect. Tom an d Sara each make $75,000 a year. The couple has decided not to have childdren. Both are age 25 and are healthy. Both intend to work until the age of 65. Sara wants to cover the balance of a $250,000 mortgage. The family's living expenses are $80,000 per year. How much insurance does the family need on Sara's life?