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One of the easiest ways that companies can avoid animal exams are to use items that are already extensively found in human history and also have proven their safety over time. Companies could also depend upon data from natural and synthetic ingredients which are already previously tested on animals. Computer modeling and databases may be used to determine biological properties of ingredients and make risk assessments. 9. Their emotional appeal "How can I check if my hubby had life insurance coverage I don't know about," is a common question many surviving spouses have. Life insurance could be bought by way of a payroll deduction in the office or accompany various other invesmtent for example an IRA or stock purchase. It is common for that policyholder to never disclose the protection with an heir, a good wife. For some, it could look like bad luck. For others, a policy could have been established and before marriage.