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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. Listening to music is very soothing for many people. Regardless of our culture and background people throughout the world want to listen to songs and sing along or hum the melodies. Music often puts things into perspective as it expresses emotion and strikes certain chords that we never knew existed. People react differently whenever they hear certain songs or beats of music.