Frozen water (ice) has less density than liquid water. how does this property of water affect life on earth? ice floats on the surface, sustaining life at the bottom of lakes and oceans. ice floats on the surface, animals migrate over lakes and bays. ice floats on the surface, maintaining sub–zero temperatures at the bottom of lakes and oceans.

If the water is salty like in the oceans, as the water freezes the salt is pushed out making the water denser making it sink to the bottom in a current to keep climate cool and the surface currents warm the artic. The way it effects life is, it makes a passageway over the freezing water across so that you won't freeze to death swimming. And it helps migration too. The Sub-zero waters keep algae from growing, which is good because most are hibernation.

I hope this helped!