The multiple approach to calculating the needs of dependants regarding life insurance: The multiple approach to calculating the needs of dependants regarding life insurance:

a. is not quite straightforward and cannot be used to calculate the total amount of cover necessary.

b.has an underlying assumption that the needs of all people are very similar.

c.is calculated as current income divided by (100 / the investment interest rate)

d.generally considers the resources and commitments of the individual.