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.
Whole and universal life insurance are types of permanent insurance that can provide you guaranteed protection for life, tax-deferred cash value accumulation, and the ability to access your funds. Whole life offers guaranteed life insurance protection that will never expire, as long as your payments remain current.