You and your spouse are in good health and have reasonably secure careers. Each of you makes about $35700 annually. You own a home with an $94400 mortgage, and you owe $18800 on car loans, $4100 in personal debts and $5400 on credit card loans. You have no other debts. You have no plans to increase the size of your family in the near future. Average funeral expenses for the area are $8400.

Estimate your total insurance needs using the DINK method.

(Round your answer to the nearest whole number. Do not include the comma, period, and "$" sign in your response.)