Schweser Mock AM 4D Life Insurance need calc - human life value method - Is this right?

Schweser used the after-tax income - exp no longer = PMT without calculating the pretax PMT?

In the book, they used pretax income as PMT. Wouldn’t life insurance need be based on pretax? So the taxes to be paid are also covered by the insurance.

I am trying to memorize how the curriculum does it, and either punt it if its in the PM or scratch out some partial credit if its in the AM.

Here’s what’s said in the book:

Estimate the amount of pre-tax income needed to replace that income on an after-tax basis.