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9. Their emotional appeal People with an anxiety disorder often have co-occurring mental health problems, such as depression, and this can increase serious risks like suicide. Often severe anxiety disorder symptoms and panic attacks are a warning sign and increase the risk of suicide. 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.