What is the difference between the Human Life Value Calculator and the Life Insurance module?

The human life value calculator provides a fast and simple estimate for life insurance coverage. This module's methodology differs from that seen in the Insurance > Life Insurance module, which is a more comprehensive projection, looking at cash flow need for the surviving spouse's life. The HLV acts as an income replacement calculator to figure out the retirement lost earnings upon the passing of a spouse and serves as a guide for the amount needed in protection.

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