You and your spouse are in good health and have reasonably secure careers. Each of you makes about $46,000 annually. You own a home with a mortgage of $92,000, and you owe $21,000 on car loans, $11,000 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 Insurance need 69,000