You are a 35-year-old married individual with 2 children (ages 7 and 9). You are the primary source of family income with an annual income of $80,000. You are considering buying life insurance policy(s) to make sure, in case of your premature death, that your spouse has money to survive without you and they are able provide your children with college tuition needs. You would also like this policy to provide some form of savings/investment accumulation so that at some point in the future if the needs noted above are no longer required you would have some cash value to consider. Using the Human Life Value system, suggest how much life insurance you should consider, and which life insurance policy product(s) would be appropriate.