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At INVEST KARTA , our objective has always been to equip self-directed investors with all the tools and information they need to make better investment decisions, and, over time, we have built a reputation for doing just that.


Determination of Human Life Value

The human-life approach is a method of calculating the amount of life insurance a family will need that is based on the financial loss the family would incur if the insured person were to pass away today. It is usually calculated by taking into account a number of factors, including, but not limited to, the insured individual's age, gender, planned retirement age, occupation, annual wage, employment benefits, as well as the personal and financial information of the spouse and/or dependent children.The human life value concept deals with human capital, which is a person's income potential.

Why Does It Matter?

To assess the financial loss your family would incur, try using this Human Life Value calculator to find what your estimated lifetime income would be.
What you have at work is probably not enough
You may think that the insurance policy you have through your workplace may be sufficient, but it usually only covers about 1.5 times your annual salary. It is estimated that it takes the average family at least five to seven years to get their finances back on track after the death of a primary breadwinner. And some times it takes a lot more than that. Your family’s financial security deserves a longer-term strategy.