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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. In developing plans for business intelligence (BI) projects, there should be clear descriptions of the goals the project team promises to achieve. At the onset, it needs to be plain to all concerned that the undertaking is geared toward the integration of tools to forecast and analyze opportunities. It is quite not the same as the standard applications found in developing business process (BP) applications that offer the performance of day-to-day company.