---
title: "What Is Human Life Value? Definition | Epic Life Glossary"
description: "Human life value is an estimate of the worth of a person's future earnings to their family, used to size life insurance. It is based on income, years..."
url: https://epicline.preview.multisites.ai/glossary/human-life-value
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Consumer pricing and coverage concepts

# Human Life Value

Human life value is an estimate of the worth of a person's future earnings to their family, used to size life insurance. It is based on income, years left to work, and discount rates.

## Why it matters

The approach turns future income into a present dollar figure. It is more detailed than a rule of thumb, but depends on assumptions. Planners may use it with the needs analysis. It does not count unpaid work like child care, which also has a cost. Treat it as an estimate.

Source: [iii.org](https://www.iii.org/article/how-much-life-insurance-do-i-need)

[Read next, for familiesTerm life insurance: how it works, what drives price, and when it ends](https://epicline.preview.multisites.ai/life-insurance/term-life)

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