Which of the following best describes a person's human economic value?

A person's human economic value encompasses their total financial impact over their lifetime, which includes both the current and potential future earnings as well as the value of their assets. This concept goes beyond just evaluating immediate financial circumstances; it considers how an individual's skills, abilities, and contributions to their profession can generate income throughout their working life.

The correct choice reflects a comprehensive approach to assessing an individual's economic value by accounting for ongoing earnings and the worth of existing assets. This holistic perspective is crucial for various financial considerations, including insurance needs, retirement planning, and investment strategies. By capturing the entirety of a person's financial potential, it informs decisions about life insurance coverage and overall financial planning.

Considering the other options, while they may touch on aspects of economic value, they do not provide the complete picture. Current income multiplied by years until retirement limits the analysis to existing income without factoring in potential future earnings and assets. The market value of properties overlooks other significant income streams and personal attributes contributing to economic value. Projected income growth offers a future estimation but lacks the immediate value assessment that includes both assets and existing income. Thus, the first option stands out as the most comprehensive description of a person's human economic value.