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When considering the use of the Human Life Value approach, a few relationships are worth considering. First, younger clients have a higher human life value (all else equal) than older clients because they will earn income...

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As individuals age, their mortality risk (the risk that they will die within the year) increases. While it is unlikely that a healthy 25 year old person will die this year, some 25 year olds will pass away. Actuaries measure...

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The capitalized earnings approach is a modification of the human life value approach. The modifications include that there is no need to determine the work life expectancy, and the investment returns on the life insurance...

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