The most valuable single technique in determining how much life insurance is needed is: O Using a multiple of earnings adjusted for occupation. Computing the Human Life Value. O Estimating the sum of money which, when paid in installments, will produce the same income as the person would have earned, after deducting assumed amounts for taxes and personal maintenance expenses. o Using the probability of death cach year, prevailing intcrest rates, and assumed inflation rates to find the discounted present value of a future income stream. Assessing the family's total cconomic needs and subtracting financial resources available to meet those needs