What Is Human Life Value In Insurance? 
Simply put , your Human Life Value is the amount of income you will be expected to earn in your lifetime . A person earning $ 100,000 per year over a 30 year period , for example , would have an approximate Human Life Value of $ 3,000.000 . So if that person wanted to protect his entire Human Life Value , he would need $ 3,000,000 in life insurance . 