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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. Types of Anxiety Disorders This picture amazingly captures the think layer of clouds in the valley close to the south of Lake Como, northern Italy. In the above image, the dense cloud hides almost the valley and instead gives off some artificial lights that will make the town just like an opaque blanket. The village over distance is clearly seen out from the blanket.