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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. 2. How aggressive these are With this because they authorized the Sikh Army to cross the Sutlej in a headlong confrontation with the English. Ranjit had signed a treaty using the British that forbade him to cross the Sutlej River, but this became broken. The English were however getting ready for that conflict plus they had spies inside the Lahore Durbar, with even the Prime Minister, the grandfather with the present Kashmir ruler( Now deposed) Karan Singh finding myself league using them and plotting the defeat from the Sikh Army. This service what food was in return for him to be made the Maharajah of Jammu and Kashmir.