You are a dual$-$income, no$-$kids family. You and your spouse have the following debts:

Mortgage $=$$$203,000$; Auto loan $=$$$11,300$; Credit card balance $=$$$2,940$; and other debts $=$$$6,060.$ Further, you estimate that your funeral will cost $$6,000.$ Your spouse expects to continue to work after your death. Using the DINK method, what should be your need for life insurance?

Total insurance need