Orlando Krieger

Such policies have a fixed term and help you earn returns on investment. The policy provides a death benefit as well as maturity benefits.

It is a pure life cover and pays your nominees policy benefits in case an unfortunate incident takes place during the term.

Another type of life insurance plan is a money-back policy that provides periodic returns at pre-determined intervals.

The policy continues until you pay the premium and has no fixed term. The maturity age is generally 100 years, and if you survive beyond this age, you receive matured endowment coverage.

Insurers offer different types of children’s plans to plan future fund flows to achieve various financial goals.

Such policies provide you with financial freedom post-retirement and cover loss of income during these years.

An accidental death insurance policy offers protection to you and your family in case of severe injuries or death in an accident. Policy benefits are available in case of loss of limb or vision or if you are paralyzed in an accident. These plans do not provide cover for high-risk adventure activities such as motor racing and skydiving.

Accident insurance coverage is available without medical tests. Additionally, the premium is lesser as limited coverage is available under the policy.

Often, there may be some confusion between traditional life insurance and accident policies.

Term life insurance, if you qualify, pays out for considerably more causes of death than AD&D insurance, and it may not cost much more. If you’re worried about accidents, adding an AD&D rider to a conventional life insurance policy may make more sense than getting a separate AD&D policy.

However, if you do not qualify for normal life insurance, AD&D coverage may be preferable than none. An AD&D policy may be easier to qualify for because there is no medical exam required, and you can usually receive AD&D coverage faster than a regular life policy.

The primary distinction between term life and AD&D insurance is that an AD&D policy only pays out for accidental death or dismemberment, whereas a term life policy pays out regardless of the cause of death, with some limitations.

Another difference between life insurance vs accidental death insurance is the availability of options. The former provides multiple options to suit individual requirements, such as retirement, meeting financial goals, and death cover. The latter covers only loss resulting due to an accident.

If you want to include covers like partial loss of sight or limb under a regular life plan, you need to pay an extra premium to avail of riders. In comparison, an accident plan provides such benefits without any additional cost.

Having understood the differences between life insurance vs accidental death, here is a comparison of the payout under these two types of covers:

It is important to note the inclusions and exclusions. For example, the policyholder’s nominees may not receive any benefits in case of death due to an accident. Moreover, the beneficiaries need to prove that death was the direct result of an accident. Therefore, you must be well-versed in the inclusions and exclusions before choosing a suitable insurance plan.

Since the 1940s, the United States, the Soviet Union, France, and China have sent animals into space as part of their studies.

Animals traveled to test the impact of space on living things. Scientists tried to make sure they would return safely, but many died after their travels.

As countries rush to progress in the space race, others were sent.

They were never able to return to Earth.

According to NASA, the animals have taught scientists more than they could have learned without them.

The Soviet and American programs could have suffered a great loss of human life if animal testing had not been done in the early days of the space program.

Below, we have a list of the most famous animals that have traveled to space.

NASA is trying to understand how space affects human biology by sending fruit flies into space.

Fruit flies are just pests that hang around overripe bananas and other forgotten fruits.

Studying them can help address the effects of long-duration space missions on an astronaut's body and the way the body responds to new environments.

About 75% of human disease genes have similar genes in fruit flies, and little equipment and few resources are needed to maintain them.

According to NASA, the first monkey to be sent into space was launched in New Mexico in 1942, but he died of suffocation during the trip.

The agency said that Albert was an animal hero because of the lack of fanfare and documentation.

Albert II, a second monkey, died on impact after going into space in 1948. Albert was one of five monkeys to go into space. They all passed away.

Yorick was the first monkey to survive the voyage in 1951, but he died a few hours after his return with some of the mice he was sent with.

The United States was not the only one to send monkeys into space.

Miss Baker was the first primate to live after a trip into space.

Miss Baker lived until 1984 when she died of kidney failure at the age of 27 after the death of Able, the monkey that was sent with her.

According to Slate, NASA bought her from the monkeys at a pet store and she was selected for a space flight.

The first American animal to fly into space and return alive is buried at NASA's Space and Rocket Center in Alabama.

The United States, Europe and Russia stopped sending monkeys into space.

NASA said the mouse was not recovered alive and that it was taken in a weightless state.

He continued to send mice into space as well as France and the USSR.

NASA is studying mice in space

NASA shared video of weightless mice on the International Space Station as part of their study on how astronauts on longer missions are affected in space.

The mice were carrying out their usual behaviors, but they adjusted to the situation since they were weightless

The first dog in space was a stray from Moscow named Laika.

There was no plan for his return to Earth.

NASA said that Laika probably only survived a few hours after reaching the moon.

The Russian Biologist who trained Laika for space asked her to forgive them and cried while stroking her for the last time.

NASA said that his trip was to spur the United States to organize its space program.

The USSR used strays as they were theoretically capable of dealing with harsher conditions.

In 1960, Belka and Strelka were the first animals to return safely after a trip to the moon. They were happy and unharmed when they returned to Earth and became famous.

The longest canines in space were sent in 1966.

His journey took 22 days.

The first rabbit and two dogs were sent into space.

The first chimp in space was sent up in 1961.

It was brought from West Africa by NASA in 1959 for training.

He was slightly fatigued and dehydrated after his voyage, but otherwise in good shape.

The space agency said that the successful launch of America's first human astronauts, Alan B. Shepard, Jr., on May 5, 1961, was due to the work of ham.

The International Space Hall of Fame in Alamogordo, New Mexico, received the remains of Ham in 1983, and they were deposited there.

In 1961, the USSR sent a dog and some animals into space. They all survived the trip.

Félicette went into space in 1963, and successfully recovered. A subsequent flight with another cat was difficult.

Despite the fact that others were trained, Félicette was the only cat to make it into space.

She was overlooked compared to other animals that traveled to space, as a result of the fact that a statue of her in Paris exceeded its goal.

The campaign said that it was time for the cat to get a memorial because she went into space and few people know about it.

The statue is in the works.