The Human Life Value calculator creates a Modeled adult Family Coverage goal from the assumptions entered on the tool. It is available on Starter and Builder Pro.
What It Models
The calculator reaches a goal one of two ways, chosen by income source:
- Has earned income — enter annual earned income and age. The tool multiplies income by an age-based factor: 30× at age 40 or under, 20× from 41–50, 15× from 51–60, 10× from 61–65, and 5× from 66 on. A 45-year-old earning $100,000 models to $2,000,000.
- No earned income — choose a working spouse who already has a saved Human Life Value goal. The tool carries that goal forward in full when it is under $1,000,000, or at half when it is $1,000,000 or more.
Every result stays Modeled and illustrative. The calculator does not use a growth rate, a discount rate, a time horizon, or a year-by-year schedule.
Older saved scenarios keep the total and assumptions recorded at the time they were saved, stamped with their own methodology version. Reopening one does not recalculate it against the current method.
Choose a Person
When living Family Coverage people exist, Who is this for? lists them by name, including children. Model without saving keeps the calculator available for standalone exploration. Names identify the selected person in the calculator and in the Family Coverage review link; the URL uses only the person's id.
Save as an Adult Goal
Saving a named goal requires confirming that the selected person is an adult. This is a per-save assertion: Policy Stack does not derive adulthood from a birth date or persist an adult/child classification. The confirmation stores an immutable HLV scenario with the inputs, methodology version, and result. That saved scenario becomes the selected Modeled Family Coverage goal for that person.
Saving a new scenario does not rewrite the old one. It creates a new snapshot and moves the selected marker. Saving an earned-income goal also refreshes a working spouse's already-derived goal, if one exists, so the derived goal never drifts behind the income it was built from.
Where It Appears
Family Coverage displays the saved HLV result beside Actual recorded policy death benefit for the same person. Review links identify the person by name and reopen the saved inputs when available. Family Coverage imports the saved snapshot; it does not recalculate Human Life Value on the map.
Child coverage cards remain based on recorded policy values, carrier-provided Actual references, or household-selected Planned goals. Being listed in the picker does not classify a person as an adult or make a child eligible to save an earned-income goal.