It Is Expected That the Financial Planning Process Gives a More

It is expected that the financial planning process gives a more accurate estimate of financial needs and results in somewhat lower values than the ones obtained by the present value of the lost income stream.This expectation is based on the assumption that:

A) the financial planning process underestimates the needs by assuming that the dead person incurs some expenses for a particular period after death.
B) the lost income approach overestimates the needs by assuming that the dead person stops consuming.
C) the lost income approach overestimates the needs by assuming that the dead person incurs some expenses for a particular period after death.
D) the lost income approach underestimates the needs by assuming that the dead person incurs some expenses for a particular period after death.
E) the financial planning process overestimates the needs by assuming that the dead person stops consuming.