Which of the Following Factors Often Complicates Evaluation of Personal

Which of the following factors often complicates evaluation of personal income needs resulting from a loss due to premature death?

A) If a person is a key employee in a non-family owned corporation, his or her family may face significant personal expenses,
B) Married people's level of financial dependence on each other varies with the passage of time,
C) The human life value decreases as the length until retirement decreases,
D) Life expectancies in the United States are continually changing.