The molecular clock (based on the molecular clock hypothesis (MCH)) is a technique in genetics, which researchers use to date when two species diverged.It deduces elapsed time from the number of minor differences between their DNA sequences. It is sometimes called a gene clock.The notion of a molecular clock was first attributed to Emile Zuckerkandl and Linus Pauling who, in 1962, noticed that the quantity of amino acid differences in hemoglobin between lineages roughly matched the known evolutionary rate of divergence based upon fossil evidence.t is sometimes called a gene clock. The notion of a molecular clock was first attributed to Emile Zuckerkandl and Linus Pauling who, in 1962, noticed that the quantity of amino acid differences in hemoglobin between lineages roughly matched the known evolutionary rate of divergence based upon fossil evidence.
Cash-value life insurance is designed as a permanent form of life insurance that includes a death benefit component and a savings component. Most cash-value life insurance policies require a fixed level premium payment, a portion of which is applied to insurance costs with the balance deposited into a cash-value account.
It depends on the type of life insurance policy. MetLife offers Guaranteed Acceptance Whole Life Insurance, which is guaranteed acceptance-no medical questions or health exam. For most other MetLife products, your health does affect the price. death benefit is the amount paid to the beneficiary at the time of the death of the insured. Face amount. The face amount of the policy is the amount of the death benefit as stated in the policy. This does not include additional amounts that the policy may provide.