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2. How aggressive they are One of the easiest ways that companies can avoid animal testing is to work with products that are actually extensively utilized in human history and still have proven their safety after a while. Companies also can depend on data from natural and synthetic substances that are already previously tested on animals. Computer modeling and databases may be used to determine biological properties of ingredients making risk assessments. Unlike real estate property, life insurance coverage typically specifies a beneficiary. In order to claim the proceeds from a life insurance policy, the beneficiary is required to provide specific information for the company in order for them to process the claim. One of the challenges that many people face is wondering just how do life insurance companies confirm death. Unlike another assets, insurance coverage policies don't automatically go on the spouse, even when there is a will. However, beneficiaries should realize that claiming benefits is not as complicated while they could imagine. Beneficiaries are usually necessary to supply the following documentation: Photo Credit: Jason Bache