The correct answer is: Prof.H.S.Huebner.
Prof.H.S.Huebner was an American actuary and insurance professor who is credited with coining the term “human life value” in his 1915 book “The Economics of Life Insurance.” He defined human life value as “the present worth of the expected net income to be derived from a person’s life.”
Martin Luther was a German monk, theologian, university professor and church reformer whose ideas inspired the Protestant Reformation and changed the course of Western civilization. He is considered one of the most influential figures in the history of Christianity.
J.M.Keynes was a British economist who is considered one of the most influential economists of the 20th century. He is best known for his work on macroeconomics, especially his theory of general equilibrium and his advocacy of government intervention in the economy.
Warren Buffett is an American business magnate, investor, and philanthropist. He is the chairman and CEO of Berkshire Hathaway. Buffett is considered one of the most successful investors in history and has been nicknamed “the Oracle of Omaha.”
While all of these individuals have made significant contributions to their respective fields, only Prof.H.S.Huebner is directly associated with the concept of human life value.