NO.PZ2025010601000055
问题如下：
You have a client whose children are older than 18 years old. You plan to estimate her spouse’s life insurance needs. Which of the following would be the best way?
选项：
A.The human life method
B.The needs analysis method
C.The expected value of estate taxes
解释：
Life insurance can provide funds that help heirs pay inheritance or estate taxes. The life insurance payout provides immediate liquidity, enabling beneficiaries to pay off inheritance or estate taxes without having to sell inherited assets. The client does not have future income or a spouse that would be subject to additional liabilities, negating the human life and needs analysis methods. However, estate planning is another use of life insurance这道题哪里问到说人寿险的作用了？明明问的是 method。 问什么选C，C是一个作用 用处 。怎么理解
