What is a human life worth?

Could you elaborate on the concept of assigning a monetary value to a human life? How do we determine the worth of an individual's existence, and what factors should we consider when discussing this complex and sensitive issue? Is there a universal standard that can be applied, or does the worth of a human life vary based on factors such as income, education, or social status? And furthermore, is it even ethical to place a price tag on something as invaluable and unique as human life?