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A human life is worth $6.2 million, Amar said, referring to a value that was used by EPA in the past. What do you need -- about 150 people to die? And that's a billion dollars.
If you own your life insurance policy, the payout from your life insurance is considered to be part of your estate. Letâs say your estate is worth $4,500,000 and you have a million in life insurance, your estate would be valued at $5,500,000.