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.
The Office of Property and Casualty on behalf of the Commissioner of the Department of Banking and Insurance is responsible for the review of such transactions pursuant to N.J.S.A. 17:17-10 and 17:33B-30 and N.J.A.C. 11:2-29.1 et seq., the statutes and regulations governing withdrawals.