Predicting an individual's future earning potential and determining how much of that amount would be devoted to his dependents incorporates the

The loss exposure approach focuses on identifying and analyzing potential losses that individuals or organizations might face. While it is relevant in risk management, it does not specifically address future earning potential or the financial needs of dependents, making it unsuitable for this context.

The salary projection approach estimates future salaries based on current earnings and anticipated promotions or raises. However, it lacks a comprehensive view of an individual's overall economic impact on dependents, as it does not consider factors like job security or the economic contributions beyond salary.

The personal needs approach assesses the financial requirements of an individual and their dependents, considering expenses such as education, housing, and healthcare. Although it evaluates needs, it does not directly quantify future earning potential, which is critical for effective financial planning.