The human life value is one method for estimating the amount of life insurance to own. Keeping all other factors unchanged, explain the effect, if any, of each of the following: 1. The discount rate used to calculate the human life value is increased. 2. The amount of average annual income going to the family is increased. 3. The period over which income is paid to the family is reduced

Paragraph Unacceptable-1 point Acceptable=2 points Score Exemplary-3 points Identifies the main Does not identify and summarize the problem, is confused or identifies problem and subsidiary, ermbedded or implicit aspects of the problem and recognizes the nuances of the issue Identifies the main Identifies and problem and subsidiary, Summarizes ermbedded or implicit the Problem a different or aspects of the problem at Issue inappropriate problem Addresses a single source or view of the argument and fails to clarify presented position relative to one's Deals only with a single perspective and fails to address other salient Draws support from experience and information not Identifies, appropriately, one's own position issue Provides Personal on the Perspective available from assigned and Position own sources Addresses and analyzes salient perspectives drawn from outside Provides Identifies other salient perspectives drawn from outside Other Salient Perspectives and Positions perspectives information information Identifies and questions the validity of key assumptions and Does not surface the Identifies some of the Develops Key assumptions and ethical issues that underlie the key assumptions and ethical issues that underlie the problem Assumptions addresses the ethical problem dimensions that underlie the issue Observes cause and effect and addresses Provides Merely repeats information provided, taking it as truth or denies evidence without Examines the evidence existing or potential consequences. Clearly distinguishes between fact, opinion, and acknowledges value judgments Identifies and discusses Quality Evidence and source of evidence, questions its accuracy, precision, relevance and completeness Supporting Position adequate justification Prepares Conclusions, conclusions, Identifies and discusses Fails to identify conclusions, implications and consequences of the issue or problem implications and consequences of the issues or problem and objectively provides and reflects on own conclusions, implications and Implications and consequences of the issues or problem Consequences assertions