Thank you for the thoughtful comment, . I agree with you that the second - "individual" point of view is rather selfish.
That said, my personal "goal" in life is to live happily (enjoy life) as much as I can and help others to live happily (enjoy life) as much as I can. Following that philosophy (I'm not claiming that it's the only one or the right one), if I had to value my life, I would do it by thinking about how much joy can I bring to myself and others.
RE: What is the value of a human life? Are we really all equal?