You and your spouse are in good health and have reasonably secure careers. Each of you makes about $$29400$ annually. You own a home with an $$82200$ mortgage, and you owe $$14800$ on car loans, $$7900$ in personal debts and $$4600$ on credit card loans. You have no other debts. You have no plans to increase the size of your family in the near future. Average funeral expenses for the area are $$8400.$

Estimate your total insurance needs using the DINK method.

$($Round your answer to the nearest whole number. Do not include the comma, period, and $"$$$"$ sign in your response.$)$