can you please explain those bold wording

2. What is the general rule Krishna should follow when buying an insurance policy? What is the ideal amount and duration of insurance coverage for him? - How much sum insured for life insurance policy. Which general rule that suits Krishna requirement. -Either using 3 approaches which are: 1. rule of 15 (15x of his annual income, however this rule is only suitable for the person that have no financial obligation. 2. Second rule, Income replacement cost, one person started to calculate all his income that he supposed to receive started from today until he retired. How much he supposed to receive. Let say after u finished study, you work, and your salary is rm3000 per month. Under income replacement cost. You need to calculate the income from today until retirement. That amount is considered as sum insured) 3. Capital need analysis. Calculate how much money that you expected that you. Start from now until you die. For premature death, how much your parent, your spouse need money to survive