You and your spouse are in good health and have reasonably secure jobs. Each of you makes about $42,000 annually. You own a home with an $165,000 mortgage, and you owe $12,200 on car loans, $6,600 in personal debt, and $3,250 in credit card loans. Funeral expenses are estimated at $7,500. You have no other debt. You have no plans to increase the size of your family in the near future. Estimate your total insurance needs using the DINK method. Total insurance need $