You and your spouse are in good health and have reasonably secure careers. Each of you makes about $30800 annually. You own a home with an $82000 mortgage, and you owe $29000 on car loans, $8100 in personal debts and $4200 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 $8200.

Estimate your total insurance needs using the DINK method.