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Companies have launched R and D department specifically for performing researching the market work. Whether a small business is big or small it requires to know latest market statistics for deciding future business strategies. To gain competitive advantage, find for hidden places to sale of items and retain customers is also important. There are some companies who have not gained success after research. The reason behind it can be improper method of doing research. Following are normal barriers for smaller businesses. 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.