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You and your spouse are in good health and have reasonably secure careers. Each of you makes about $47,000 annually. You own a home with

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You and your spouse are in good health and have reasonably secure careers. Each of you makes about $47,000 annually. You own a home with a mortgage of $94,000, and you owe $22,000 on car loans, $5,000 in personal debts, and $5,000 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 $9,000. Estimate your total insurance needs using the DINK method Insurance need

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