What Is Human Life Value In Insurance? 
Ted , I would like to respectfully disagree with your definition of what human life value is . Simply put , it is NOT the amount of income one is expected to earn in their lifetime . Earnings are a component of human life value , as are other factors , such as income taxes and personal consumption . One 's HLV is their economic value to their dependents . It can be roughly estimated by taking one 's expected gross earnings and subtracting income taxes and personal consumption . There 's more to it than that , but that 's an appropriate starting place . For a thorough explanation of what human life value is and why it 's important , and to use a tool to estimate your own HLV , please visit www.humanlifevalue.com 