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...We know about our own and, in general, mortality of living beings but we tend to ignore about this aspect. Two recent deaths—one of a close family member and the other a client who became dear friend over years—compelled me to pen down the various aspects on risk management, estate planning and succession planning. 1. Human Capital and Life Cover Human capital is the earnings potential of an individual over her lifetime. When a person is starting employment then the human capital is typically the highest and it gradually reduces with time as the individual moves towards retirement. Premature loss of life is the risk to human capital and may cause financial difficulties for surviving family members. ...Live Mint on May 14, 2017, 9:25 p.m.