in the Human Life Value approach in life insurance. How to solve PV ?? and the final answer for this question?? please provide clear formula

1) Julian, age 45, would like to determine how much life insurance to purchase using the human life value approach. He assumes his average annual earnings over the next 21 years will be $50,000. Of this amount, $30,000 is available annually for the support of his family. Julian will generate this income for 21 more years and he believes that 5 percent is the appropriate interest (discount) rate. What is Julian's human life value (to the nearest $1,000)? A) $256,000 B) $385,000 C) $410,000 D) $672,000