--- title: Are there other issues besides health? description: Yes, there is the issue of Human Life Value, which has to do with the formulas Life Insurance Companies use to determine how much they can insure somebody for. You can’t insure someone for a ridiculou --- [Skip to content](https://info.prosperitythinkers.com/migration/knowledge/are-there-other-issues-besides-health#main-content) English Show submenu for translations Prosperity Thinkers™, LLC Open main navigation Close main navigation - English Show submenu for translations - Contact us Contact us How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://info.prosperitythinkers.com/migration/knowledge?hsLang=en) 2. [Is Whole Life Insurance Right for Me?](https://info.prosperitythinkers.com/migration/knowledge/is-whole-life-insurance-right-for-me?hsLang=en) # Are there other issues besides health? Yes, there is the issue of Human Life Value, which has to do with the formulas Life Insurance Companies use to determine how much they can insure somebody for. You can’t insure someone for a ridiculous amount of money, for instance, a 20-year-old making $20k can’t get approved for $5 million. For more on Human Life Value and also supplementing with term insurance, see our post on “[How Much Life Insurance Do You Need?](https://prosperitythinkers.com/how-much-life-insurance-do-you-need-combining-policies/)“ - [What Is Whole Life Insurance?](https://info.prosperitythinkers.com/migration/knowledge/what-is-whole-life-insurance?hsLang=en) - [How Does it Work?](https://info.prosperitythinkers.com/migration/knowledge/how-does-it-work?hsLang=en) - [Is Whole Life Insurance Right for Me?](https://info.prosperitythinkers.com/migration/knowledge/is-whole-life-insurance-right-for-me?hsLang=en) - [What About Term Life Insurance?](https://info.prosperitythinkers.com/migration/knowledge/what-about-term-life-insurance?hsLang=en) - [How to Setup my Policy](https://info.prosperitythinkers.com/migration/knowledge/how-to-setup-my-policy?hsLang=en) - [How to Use my Policy](https://info.prosperitythinkers.com/migration/knowledge/how-to-use-my-policy?hsLang=en) - [Building Generational Wealth](https://info.prosperitythinkers.com/migration/knowledge/building-generational-wealth?hsLang=en) [![Prosperity Thinkers logo](https://info.prosperitythinkers.com/hs-fs/hubfs/small%20pt%20logo.png?width=88&height=66&name=small%20pt%20logo.png "Prosperity Thinkers logo")](https://info.prosperitythinkers.com/?hsLang=en) [mailto:email@email.com](mailto:email@email.com) Copyright © 2026, Prosperity Thinkers™, LLC