Tundra Bumble Bee:

Tundra bumble bees have developed a dense hair on their bodies which slows heat loss to the air. They also "shiver" their flight muscles to generate heat. This heat is temporarily trapped within their velvet coat. Some bumblebees can keep, their body temperatures 20-30, degrees C (68-86 degrees F) above air temperatures and are easily active while other insects are too cold to move. They have a thicker coat of "hair" than temperate bee; "shivers" its large wing muscles to raise its body temperature, rely on nectar & pollen to survive. the Arctic Bumblebee(Bombus polaris) is exquisitely adapted to life in the northern latitudes—where life in turn is often exquisitely adapted to this bushy brightly-colored bee. These Bumblebees favour living in the higher latitudes of the Artic- where their body functions work best.