Seals have a thic layer of fat (blubber) below their skin that act as an:

In polar seas, aquatic ..a.. Like ..b..have a thick layer of fat called ..c..below their skin that acts as an ..d..and reduces loss of body heat.

Assertion : Whale has a thick layer of fat, called blubber, below its skin. Reason: It uses this fat as the source of energy when deep in water.