Kelly Richards is a $35-$year$-$old investment banker.$$ She is single and has no dependents.$$ While she knows a great deal about stocks and bonds, she knows little about life insurance.$$ She met with two life insurance agents.$$ The first agent calculated Kelly's human life value and recommended that she purchase a $$1,200,000$ life insurance policy.$$ The second agent used the needs approach and recommended that she purchase a $$150,000$ life insurance policy.$$ Kelly is confused.$$ Explain to Kelly how two methods of determining the appropriate amount of life insurance could product such divergent results.