You and your spouse are in good health and have reasonably secure jobs. Each of you makes about $$49,000$ annually. You own a

home with a $$95,000$ mortgage, and you owe $$15,600$ on car loans, $$6,800$ in personal debt, and $$3,950$ in credit card loans. You

have no other debt. You have no plans to increase the size of your family in the near future. You estimate that funeral expenses will be

$$8,000.$ Estimate your total insurance needs using the DINK method.

Total insurance need