Energy Transfer Pads were designed to cool a patient by simulating water. immersion. The three-layered pads consist of an outer layer of insulated. foam, a middle layer of rapid water circulation, and a bottom hydrogel. layer which allows for safe skin application. Core body temperature is.
assignment clause. Provision in a life insurance policy that allows assignment of insurance to a third party (such as a lender) as a collateral. Life insurance policies are freely assignable, but casualty and property policies are not.
In this event, the improvement is not covered under the property and casualty policy. Instead, youâll have to insure it as you would a trade fixture. Finally, many monetary consequences of a fire or other casualty are not included within this coverage.