You and your spouse are in good health and have reasonably secure careers. Each of you makes about $48,000 annually. You own a home with a mortgage of $96,000, and you owe $23,000 on car loans, $6,000 in personal debts, and $6,000 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 $8,000 Estimate your total insurance needs using the DINK method