Married couple, Tom (35) and Tina (33), own a home valued at $500,000 with a $380,000 mortgage. They have lifestyle expenses of $60,000 per annum. Tom earns $85,000 per annum and has $50,000 in superannuation. Tina earns $60,000 per annum and has $40,000 in superannuation. They asked their financial advisor to assess the financial impact in the case of an untimely death.