this is an insurance class, please help

QUESTION 4 Which of the following are subtracted from future eanings in the salary-based approach to estimating the amount of life insurance to purchase? L Income taxes IL The cost of self-maintenance O 1only only O Both I and I ONether I nor I QUESTION 5 Which of the following statements about the needs approach for estimabing the amount of life insurance to purchase is (are) true? t involves an analysis of the insured's future eamings It inwolves an analysis of various family needs which must be met if the insured dies You can only use it if he insured has only one insurance policy O You can only use it for the person in the family who eams the most money