They include: 1  Insurable interest. 2  The person taking out the life insurance policy must have an insurable interest in you. 3  Basically, that means he or she must be at risk of a financial loss if you die.
Spoor have been found in Senegal, Chad, and Sudan. In central Asia, Sand Cats occur east of the Caspian Sea throughout the Karakum Desert from the Ustyurt Plateau in the northwest to the Kopet Dag Mountains in the south extending through the Kyzylkum Desert to the Syr Darya River and the northern border to Afghanistan.
Most sand dollars live in tropical shallow-water places (e.g., Africa, Singapore, Indonesia, the Bahamas, etc) but a few do live in cold to temperate waters (e.g., Dendraster excentricus on the west coast of North America) Sand dollars are NOT shells.