You and your spouse are in good health and have reasonably secure careers. Each of you makes about $$55,000$ annually. You own a home with a mortgage of $$120,000,$ and you owe $$15,000$ on car loans, $$5,000$ in personal debts, and $$4,000$ on credit card loans. You have no other debts. You have no plans to increase the size of your family in the near future. Assume funeral expenses of $$10,000.$ Estimate your total insurance needs using the DINK method.