Jane and Vitorio are both professionals earning roughly $140 000 each annually. If one of them died and their debts were gone, the survivor could easily live on their own income. They have a combined net worth of $950 000. They have debts in the amount of a $250 000 mortgage and car loans of $85 000. In addition, they pay off their credit cards each month, usually around $21 000. If anything should happen to either one of them, they want to leave their family debt-free. How much life insurance should they consider?