Fundamentos del Seguro de VidaPregunta 322 de 716
Under the 'human life value' approach to determining how much life insurance a person needs, the insurer primarily estimates:
a.The face amount the applicant simply asks for, with no calculation of income or need
b.The total of the insured's outstanding debts and final expenses only, ignoring income
c.The insured's future earnings that would be lost to the family if the insured died
d.The replacement cost of the insured's home and possessions as a property adjuster figures it
Explicación
The human life value approach measures the present value of the insured's future earnings that the family would lose if the insured died prematurely, capturing the economic value of that income stream. It is broader than simply totaling current debts, which is only one piece of a needs analysis. It has nothing to do with the replacement cost of property (that is property insurance). And it is a systematic calculation, not merely the amount the applicant asks for.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)