You and your spouse are in good health and have reasonably secure careers. Each of you makes about $57,000 annually. You own a home with an $114,000 mortgage, and you owe $32,000 on car loans, $8,000 in personal debts, and $9,000 on credit card loans. You have no other debts. You have no plans to increase the size of your family in the near future. Estimate your total insurance needs using the DINK method. Assume funeral expenses of $5,000.