Select the best true$/$false combination based on these statements:

The key difference between the Human Life Value approach of calculating a life insurance need versus the Capitalized Needs Approach is that the Human Life Value approach does not use a client's Work Life Expectancy $($WLE$)$ and usually results in a higher estimated insurance need.

Whereas, the Capitalized Needs approach uses a client's WLE and normally results in a lower insurance need.

True$/$False

True$/$Tye

False$/$True

False$/$False