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One of the easiest ways that companies can avoid animal exams are to use items that are already extensively found in human history and also have proven their safety over time. Companies could also depend upon data from natural and synthetic ingredients which are already previously tested on animals. Computer modeling and databases may be used to determine biological properties of ingredients and make risk assessments. Flickr: Danny O 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.