Roma, a 35-year-old female, smoker, widow. Her annual gross income is $60,000. Has an existing mortgage of $420,000 with 12 more years amortization. She has a $15,000 car loan and $8,000 balance on her credit card. Wants insurance to provide for her family if she passes away prematurely and final expense. Would like permanent coverage, if possible. She has a limited budget but wants to ensure there is enough coverage for her 10-year-old child, until she is no longer dependent to cover child-care, education funding and replace her net income. If Roma's gross salary is currently $60,000 and the overall income tax liability is 35% percent of her gross salary, her after-tax salary is 39,000. Which amount represents the amount the insured currently provides for the family? $42,000 $39,000 $60,000 $21,000