Life insurance Payout and fin aid

A dependent student qualifies for the simplified calculation if both (1) and (2) below are true:

  1. The student’s parents did not file Schedule 1 with their IRS Form 1040

2.OR*

The student’s parent is a dislocated worker, as defined in the Workforce Innovation and Opportunity Act (see Chapter 2 for a description of dislocated worker)

3.OR*

Anyone counted in parents’ household size (as defined on the FAFSA form and in Chapter 2) received a means-tested federal benefit during 2021 or 2022.

4.AND*

  1. The parents’ combined 2021 adjusted gross income (AGI, for tax filers) or income earned from work (for non-filers) was less than $50,000.

Since I would be using the simplified formula the efc would be 0 as the assets are not considered because its income based one earlier years?