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.
Chartered Property Casualty Underwriter (CPCU) is a professional designation in property-casualty insurance and risk management.he CPCU designation is held by just over 2% of all those employed in the insurance industry in the United States, and is widely considered the premier designation in the property and casualty insurance industry.