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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. Finally, you can choose how long it is until the background image changes, from mere seconds to minutes, from a couple of hours to just once a day. Click "Save changes" to commit these edits and go back to your desktop to await the next change in its visual finery.