You and your spouse are in good health and have reasonably secure careers. You each make about $50,000 annually. You own a home with a $150,000 mortgage, and you owe $11,000 on car loans, $15,000 in personal debts, and $7,000 on credit card loans. You have no other debts. You dont have any plans to increase the size of your family in the near future. The estimated cost of a funeral is $5,000 Estimate your total insurance needs using the DINK method.