Need analysis method is a more detailed approach than multiple-of-earnings method. This method considers both financial

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Need analysis method is a more detailed approach than multiple-of-earnings method. This method considers both financial obligations and financial resources of the insured and his or her dependents. Which of the following steps is/are involved in this method?

A. Estimate the total economic resources needed if the individual were to die
B. Determine all financial resources that would be available after death, including existing life insurance and pension plan death benefits
C. Subtract available resources from the amount needed to determine how much additional life insurance is required
D. All of these