This is Estate Planning question, please give me the correct, complete the answer ,Typing versionthank you

Samantha and Sam Spartan are in their mid-30 s and have two young children. They live in a modest home and they have a few investments. They have just started to save for retirement after paying off student loans and cutting up "their credit cards. Because of their two young childerm, they purchased life insurance, but that is all they have done to date. Samantha and Sam have decided they should do some estate planning just in case. Their assets are as follows: House (entireties, net of mortgage) $50,000.00 Cash and Investments (JTWROS) 35,000.00 Samantha s IRA Sam s Roth IRA Samantha s Life Insurance 150,obo.00 Sam s Life Insurance 100,000.00 12,000.00 10,000.00 Total Assets $357,000.00 What basic estate planning do Sam and Samantha need? Samantha and Sam Spartan are in their mid-30 s and have two young children. They live in a modest home and they have a few investments. They have just started to save for retirement after paying off student loans and cutting up "their credit cards. Because of their two young childerm, they purchased life insurance, but that is all they have done to date. Samantha and Sam have decided they should do some estate planning just in case. Their assets are as follows: House (entireties, net of mortgage) $50,000.00 Cash and Investments (JTWROS) 35,000.00 Samantha s IRA Sam s Roth IRA Samantha s Life Insurance 150,obo.00 Sam s Life Insurance 100,000.00 12,000.00 10,000.00 Total Assets $357,000.00 What basic estate planning do Sam and Samantha need