Kelly is a 35-year-old investment banker. She is single and has no dependents. While she knows a great deal about stocks and bonds, she knows little about life insurance. She met with two life insurance agents. The first agent calculated Kelly's human life value and recommended that she purchase a $1,200,000 life insurance policy. The second agent used the needs approach and recommended that she purchase a $150,000 life insurance policy. Kelly is confused. Explain to Kelly how two methods of determining the appropriate amount of life insurance could produce such divergent results (4) Kelly is a 35-year-old investment banker. She is single and has no dependents. While she knows a great deal about stocks and bonds, she knows little about life insurance. She met with two life insurance agents. The first agent calculated Kelly's human life value and recommended that she purchase a $1,200,000 life insurance policy. The second agent used the needs approach and recommended that she purchase a $150,000 life insurance policy. Kelly is confused. Explain to Kelly how two methods of determining the appropriate amount of life insurance could produce such divergent results (4)