这道题的growth rate在讲义哪里有说到

NO.PZ202301041000002304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.B.$1,547,862.C.$1,951,345. The aitionalamount of life insuranBraey shoulpurchase using the humlife valuemethois calculatefollows. The calculations assume (1) Braey works forexactly 15 years an(2) his family nee the procee of the life insuranceimmeately upon his ath.1 Calculate thepretincome neeto replace 2 Aust thescount rate to account for the projectegrowth rate of earnings anexpensesscount rate: 4%Projecteannualsalary anexpense increase for Braey: 3%Calculate theausterate (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%3 termine thetotamount of life insuranneecalculating the present value of anannuity e in aance$139,063 ×PVAA(15 years, 0.97%) = $1,951,345[Inputs onfinancicalculator (HP-12C):Mo: BEG; n: 15;i: 0.97; PMT: 139,063; FV: 0; calc PV]4 Less Braey’scurrent life insurancoverage (from Exhibit 1)(250,000)5 Aitionlifeinsuranrequirefor Braey$1,701,345B is incorrect.The employer contribution to the finecontribution retirement plwnotincluin Step 1 of the calculation.C is incorrect.The current $250,000 life insurancoverage wnot ctefrom thecalculation of the totlife insurannee humlife value metho考虑死掉的人如果没死能创造的价值问题1Annufamily expenses attributable to Braey这项费用（20,000），从他的收入中减去20,000再用作PMT来计算，此时N=15，也就是默认他的未来花费只花费15年，用这种方法计算现在的现值，意味着如果他死了是少创造了15年的工资，并且默认如果没死也只会花费15年的费用。但15年是他退休的年龄，事实上他可能活到超过退休年龄，也可能少于退休年龄，怎么能默认他如果没死也只能再活15年呢？准确的条件是否应该是直接给出Braey未来花费的现值，单独计算收入的现值后再减去花费的现值？问题2其中 plan的值5% of annuincome，为什么不是175,000交了5％养老金以后，剩下的95%再扣税30%，再剩下的才是他的工资收入？

NO.PZ202301041000002304 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. B.$1,547,862. C.$1,951,345. The aitionalamount of life insuranBraey shoulpurchase using the humlife valuemethois calculatefollows. The calculations assume (1) Braey works forexactly 15 years an(2) his family nee the procee of the life insuranceimmeately upon his ath.1 Calculate thepretincome neeto replace 2 Aust thescount rate to account for the projectegrowth rate of earnings anexpensesscount rate: 4%Projecteannualsalary anexpense increase for Braey: 3%Calculate theausterate (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%3 termine thetotamount of life insuranneecalculating the present value of anannuity e in aance$139,063 ×PVAA(15 years, 0.97%) = $1,951,345[Inputs onfinancicalculator (HP-12C):Mo: BEG; n: 15;i: 0.97; PMT: 139,063; FV: 0; calc PV]4 Less Braey’scurrent life insurancoverage (from Exhibit 1)(250,000)5 Aitionlifeinsuranrequirefor Braey$1,701,345B is incorrect.The employer contribution to the finecontribution retirement plwnotincluin Step 1 of the calculation.C is incorrect.The current $250,000 life insurancoverage wnot ctefrom thecalculation of the totlife insurannee Insuranath benifit = 250,000 -- the after tinsuranincome = 250,000*0.8=200,000 对吗? 怎么理解insuranprocee, 它等同于ath benifit吗?

NO.PZ202301041000002304 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. B.$1,547,862. C.$1,951,345. The aitionalamount of life insuranBraey shoulpurchase using the humlife valuemethois calculatefollows. The calculations assume (1) Braey works forexactly 15 years an(2) his family nee the procee of the life insuranceimmeately upon his ath.1 Calculate thepretincome neeto replace 2 Aust thescount rate to account for the projectegrowth rate of earnings anexpensesscount rate: 4%Projecteannualsalary anexpense increase for Braey: 3%Calculate theausterate (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%3 termine thetotamount of life insuranneecalculating the present value of anannuity e in aance$139,063 ×PVAA(15 years, 0.97%) = $1,951,345[Inputs onfinancicalculator (HP-12C):Mo: BEG; n: 15;i: 0.97; PMT: 139,063; FV: 0; calc PV]4 Less Braey’scurrent life insurancoverage (from Exhibit 1)(250,000)5 Aitionlifeinsuranrequirefor Braey$1,701,345B is incorrect.The employer contribution to the finecontribution retirement plwnotincluin Step 1 of the calculation.C is incorrect.The current $250,000 life insurancoverage wnot ctefrom thecalculation of the totlife insurannee 这里不需要结合Exbit1的信息点吗？不是还有其他保险吗

NO.PZ202301041000002304 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. B.$1,547,862. C.$1,951,345. The aitionalamount of life insuranBraey shoulpurchase using the humlife valuemethois calculatefollows. The calculations assume (1) Braey works forexactly 15 years an(2) his family nee the procee of the life insuranceimmeately upon his ath.1 Calculate thepretincome neeto replace 2 Aust thescount rate to account for the projectegrowth rate of earnings anexpensesscount rate: 4%Projecteannualsalary anexpense increase for Braey: 3%Calculate theausterate (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%3 termine thetotamount of life insuranneecalculating the present value of anannuity e in aance$139,063 ×PVAA(15 years, 0.97%) = $1,951,345[Inputs onfinancicalculator (HP-12C):Mo: BEG; n: 15;i: 0.97; PMT: 139,063; FV: 0; calc PV]4 Less Braey’scurrent life insurancoverage (from Exhibit 1)(250,000)5 Aitionlifeinsuranrequirefor Braey$1,701,345B is incorrect.The employer contribution to the finecontribution retirement plwnotincluin Step 1 of the calculation.C is incorrect.The current $250,000 life insurancoverage wnot ctefrom thecalculation of the totlife insurannee 此类计算是否都默认了expense也是按照每年3%增长？且已经买的这份保险的benefit不用考虑20%的税？还有保险基本都采用先付年金，除非有说明比如vin年末支付？