How does the ozone layer help protect life on earth?

simple

Explanation:

The ozone layer acts as a filter for the shorter wavelength and highly hazardous ultraviolet radiation UVR from the sun, protecting life on Earth from its potentially harmful effects. When the sky is clear, there is an inverse relationship between stratospheric ozone and solar UVR measured at the Earth's surface.

it would affect precipitation by causing flooding in some areas of the world due to climate increasing, causing the glaciers in the northern and southern pole of our planet to melt.

i wish you would have provided choices to simplify it and allow me to give an exact answer.

your body is trying to warm itself up. or more precisely, sensors in your skin send messages to your brain to generate heat to your body.