请问如何判断是对个人的影响还是家庭的影响？

NO.PZ202109080500000103问题如下Baseon the ta in Exhibits 1 an2 anusing the humlife value methofor termining life insurannee, the aitionamount of life insuranthBraey shoulpurchase is closest to:A.$1,701,345.00B.$1,547,862.00C.$1,951,345.00 SolutionA is correct. The aitionamount of life insuranBraey shoulpurchase using the humlife value methois calculatefollows. The calculations assume (1) Braey works for exactly 15 years an(2) his family nee the procee of the life insuranimmeately upon his ath.Step 2Aust the scount rate to account for the projectegrowth rate of earnings anexpensesscount rate: 4%Projecteannusalary anexpense increase for Braey: 3%Calculate the austerate (i):i = [(1 + scount rate)/(1 + Growth rate)] – 1 = [(1 + 0.04)/(1 + 0.03)] – 1 = (1.04/1.03) – 1 = 1.0097 – 1 = 0.0097 = 0.97%Step 3termine the totamount of life insuranneecalculating the present value of annuity e in aance$139,063 × PVAA(15 years, 0.97%) = $1,951,345[Inputs on financicalculator (HP-12C): Mo: BEG; n: 15; i: 0.97; PMT: 139,063; FV: 0; calc PV]Step 4: Less Braey’s current life insurancoverage (from Exhibit 1)(250,000)Step 5Aitionlife insuranrequirefor Braey$1,701,345B is incorrect. The employer contribution to the finecontribution retirement plwnot incluin Step 1 of the calculation.C is incorrect. The current $250,000 life insurancoverage wnot ctefrom the calculation of the totlife insurannee 老师，这道题为啥用beg模式

NO.PZ202109080500000103 问题如下 Baseon the ta in Exhibits 1 an2 anusing the humlife value methofor termining life insurannee, the aitionamount of life insuranthBraey shoulpurchase is closest to: A.$1,701,345.00 B.$1,547,862.00 C.$1,951,345.00 SolutionA is correct. The aitionamount of life insuranBraey shoulpurchase using the humlife value methois calculatefollows. The calculations assume (1) Braey works for exactly 15 years an(2) his family nee the procee of the life insuranimmeately upon his ath.Step 2Aust the scount rate to account for the projectegrowth rate of earnings anexpensesscount rate: 4%Projecteannusalary anexpense increase for Braey: 3%Calculate the austerate (i):i = [(1 + scount rate)/(1 + Growth rate)] – 1 = [(1 + 0.04)/(1 + 0.03)] – 1 = (1.04/1.03) – 1 = 1.0097 – 1 = 0.0097 = 0.97%Step 3termine the totamount of life insuranneecalculating the present value of annuity e in aance$139,063 × PVAA(15 years, 0.97%) = $1,951,345[Inputs on financicalculator (HP-12C): Mo: BEG; n: 15; i: 0.97; PMT: 139,063; FV: 0; calc PV]Step 4: Less Braey’s current life insurancoverage (from Exhibit 1)(250,000)Step 5Aitionlife insuranrequirefor Braey$1,701,345B is incorrect. The employer contribution to the finecontribution retirement plwnot incluin Step 1 of the calculation.C is incorrect. The current $250,000 life insurancoverage wnot ctefrom the calculation of the totlife insurannee 表中present value of future earnings 是怎么算出来的呢

NO.PZ202109080500000103 问题如下 Baseon the ta in Exhibits 1 an2 anusing the humlife value methofor termining life insurannee, the aitionamount of life insuranthBraey shoulpurchase is closest to: A.$1,701,345.00 B.$1,547,862.00 C.$1,951,345.00 SolutionA is correct. The aitionamount of life insuranBraey shoulpurchase using the humlife value methois calculatefollows. The calculations assume (1) Braey works for exactly 15 years an(2) his family nee the procee of the life insuranimmeately upon his ath.Step 2Aust the scount rate to account for the projectegrowth rate of earnings anexpensesscount rate: 4%Projecteannusalary anexpense increase for Braey: 3%Calculate the austerate (i):i = [(1 + scount rate)/(1 + Growth rate)] – 1 = [(1 + 0.04)/(1 + 0.03)] – 1 = (1.04/1.03) – 1 = 1.0097 – 1 = 0.0097 = 0.97%Step 3termine the totamount of life insuranneecalculating the present value of annuity e in aance$139,063 × PVAA(15 years, 0.97%) = $1,951,345[Inputs on financicalculator (HP-12C): Mo: BEG; n: 15; i: 0.97; PMT: 139,063; FV: 0; calc PV]Step 4: Less Braey’s current life insurancoverage (from Exhibit 1)(250,000)Step 5Aitionlife insuranrequirefor Braey$1,701,345B is incorrect. The employer contribution to the finecontribution retirement plwnot incluin Step 1 of the calculation.C is incorrect. The current $250,000 life insurancoverage wnot ctefrom the calculation of the totlife insurannee Braey’s current life insurancoverage (250,000)。这个250,000从哪里看出来是BRAEY的呢？

NO.PZ202109080500000103问题如下Baseon the ta in Exhibits 1 an2 anusing the humlife value methofor termining life insurannee, the aitionamount of life insuranthBraey shoulpurchase is closest to:A.$1,701,345.00B.$1,547,862.00C.$1,951,345.00 SolutionA is correct. The aitionamount of life insuranBraey shoulpurchase using the humlife value methois calculatefollows. The calculations assume (1) Braey works for exactly 15 years an(2) his family nee the procee of the life insuranimmeately upon his ath.Step 2Aust the scount rate to account for the projectegrowth rate of earnings anexpensesscount rate: 4%Projecteannusalary anexpense increase for Braey: 3%Calculate the austerate (i):i = [(1 + scount rate)/(1 + Growth rate)] – 1 = [(1 + 0.04)/(1 + 0.03)] – 1 = (1.04/1.03) – 1 = 1.0097 – 1 = 0.0097 = 0.97%Step 3termine the totamount of life insuranneecalculating the present value of annuity e in aance$139,063 × PVAA(15 years, 0.97%) = $1,951,345[Inputs on financicalculator (HP-12C): Mo: BEG; n: 15; i: 0.97; PMT: 139,063; FV: 0; calc PV]Step 4: Less Braey’s current life insurancoverage (from Exhibit 1)(250,000)Step 5Aitionlife insuranrequirefor Braey$1,701,345B is incorrect. The employer contribution to the finecontribution retirement plwnot incluin Step 1 of the calculation.C is incorrect. The current $250,000 life insurancoverage wnot ctefrom the calculation of the totlife insurannee 如题。是做题都默认消费和收入增长率一致不？