(D) The after-tax investment rate of return was higher 4. Under the Capital Retention (Preservation) method, how much life insurance coverage does an individual need if the survivors' desired annual income is $85,000, the expected annual income from invested assets is $15,000, the expected annual Social Security income is $20,000 and the life insurance proceeds can eam an 8% rate of return? (B) $4,000 $400,000 $625,000 $715,000 W