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.
Property and casualty actuaries commonly work in pricing, where they calculate the price for an insurance premium for the policy that has not yet been sold; or in reserving, where they calculate the amount to set aside as a liability to pay for the claims that will still be paid on the policies that have been sold.