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Human-life approach and the needs approach include the two main methods used to indicate the total amount from the insurance someone needs. Human-life approach is founded on the individual's salary and through discount rate, the existing valuation on life can be identify as the needs approach is based on every unusual and reoccurring expenses. This type of insurance is design to guard you and also enable you to pay a prearranged amount. The story shocked me more than usual because I know my buddy is a pretty good martial artist. He is often dubbed as 'talented' by his colleagues and superiors. What's wrong your story? In theory, he would have wasted the thief in no time while he clearly had no weapon with him. According to him, he couldn't know how to handle it. He knew how he could subdue such assault but he just couldn't know what to do immediately.