Concha bullosa occurs when the middle turbinate, a small bone projection in the nasal cavity, experiences an air pocket. Depending on the severity, concha bullosa may either be accompanied by several symptoms or, in some cases, it can be asymptomatic.oncha bullosa is a small balloon-like formation on a turbinate and, depending on the size, it may cause trouble with breathing or draining sinuses. It is an open space that is vulnerable to infection and nasal obstruction.
extended term insurance. A nonforfeiture provision in a whole life policy that uses cash value to purchase term insurance equal to the existing amount of life insurance. 1  Suggest an improvement or addition to the Insurance and Risk Management Glossary.  Buy a print version of the Insurance and Risk Management Glossary.
Long-term disability insurance (LTD) is an insurance policy that protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time. Some estimates state that the average employee with long-term disability misses 2.5 years of work.