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Human Life Value (HLV) helps in determining your life insurance needs on the basis of your income, expenses, savings and liabilities. Insurance and HLV! · What is HLV? HLV or Human Life Value is the probable income of the insured person, or the total income the person is. The amount of HLV is used to calculate the benefit amount needed to replace lost future earnings of a wage earner to set the amount of life insurance or the. The Human Life Value (HLV) Calculator helps you identify your life insurance needs on basis of income expenses, liabilities and investments and secure your. It is the capitalized value of an individual for the rest of their life and is calculated on the basis of current inflation.