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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. The story shocked me more than usual because I know my friend is a fairly good martial artist. He is often dubbed as 'talented' by his colleagues and superiors. What's wrong with this story? In theory, he may have wasted the thief quickly while he clearly had no weapon with him. According to him, he didn't know what to do. He knew how he could subdue such assault but he just did not know how to handle it at that time.