Develop a human life value approach to calculating the life insurance need for a person age 30 who plans to work 40 years, where the rate of annual salary increases is 3.5%, and the discounted rate of interest on funds is 5%, with a starting salary of $27,000.
One example of the human life value approach that was presented in class may be accessed at:
http://uni.edu/thompsona/Human%20Life%20Value%20Spreadsheet.xlsx
Spreadsheet Example of a Human Life Value Calculation

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