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What is human life value analysis?

Human life value is calculated to ascertain the approximate sum of money required to compensate for the financial loss if the earning member were to pass away today. The approach aims to replace the expected future earnings of the insured for their dependents in case of their death. It can be used to figure out the amount of insurance cover required.

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Why is life insurance so important? Why are pure term plans most preferable for life insurance?

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