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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. An understanding of three numbers of existences of matter, mind and spirit is essential for comprehending the synchronicity in our lives. Matter may be the physical domain, the location where the world can be viewed, rational and objective. Everything in this level has a beginning, middle and end. We are born so we die. This world is predictable; scientists can measure it. We see why domain.