Please calculate the life insurance needs using Human Life Value Approach.

Value Amount

" Annual Earning - Annual Tax - Annual Consumption ",[(=" Family's Share of Earnings ") = $80,000

Work Life Expectancy 40 years

Investment Rate 5%

Inflation Rate 3%

^(**) When calculating an inflation-adjusted discount rate, please round to three decimal places.

$2,188,438

$1,849,182

$2,227,314

$1,372,727