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1. The attractiveness of the person 3. How confident they are 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. FACTS: Shoeless Joe batted over .300 in all of his 11 full major league seasons. His .356 lifetime batting average is third-highest in major league baseball history. In 1911 he hit a fantastic .408 of what was essentially his rookie season, setting a rookie record that still stands greater than a hundred years later. Ironically, Ty Cobb hit .420 that season, denying Joe the league batting title. Despite his .356 lifetime average, Jackson never won a league batting crown. On April 20, 1912, Joe scored the initial run in Tiger Stadium history. Jackson won his only World Series championship using the White Sox in 1917.