Richard CanfieldPodcast Host and IBC Advisor, Ascendant Financial · Authorized Infinite Banking Practitioner | Author of 4 Books

What Is Human Life Value? #shorts #insurancetips #dividend #wholelifeinsurance

11 Sept 2026 · 1 min

Watch on YouTube

0:31

Richard Canfield explains human life value as an insurer's economic estimate based mainly on current income and age. It's a spreadsheet calculation that reflects financial value to the insurer, but doesn't capture a person's true worth or broader contributions.

What human life value really is. It sounds like a technical term. It also sounds like a really obnoxiously boring and kind of weird term, but it's pretty straightforward. It's the economic value associated with your life based on the people that depend on you. Now, the insurance company or in general doesn't know your family story and your history. What they do know is your income and they know your age. And that's really what determines this human life value. It's really a number that doesn't identify what you're truly worth, but it's what they can stick on a spreadsheet really quickly.