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.
A: Under the law, a personal casualty loss is determined by taking the smaller of: 1  The cost or other basis of the property (reduced by any insurance reimbursement), or. 2  The decline in fair market value of the property as measured immediately before and after the casualty (reduced by any insurance reimbursement).