Conditions expressly stated in the policy. They may be general conditions or particular conditions, i.e. ‘special conditions. The general conditions are printed on the policy and are common to all contracts on that form. They may reinforce implied conditions (e.g. non-disclosure), deal with alterations, claims procedures, etc. Particular conditions apply to matters affecting the individual policy and are applied by endorsement. In life insurance the general conditions include privileges such as loans and surrender values.