Natasha is 38 years old and married with two children. She earns $60,000 a year gross, and

Natasha is 38 years old and married with two children. She earns $60,000 a year gross, and nets $46,000 after taxes. She anticipates working for 25 more years, and wants to assume a 5% rate of return. What is her life insurance need if she wants to use the income multiplier approach, and as her financial planner you use a multiplier of 15?