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Endoscopy

Insertion of a flexible fiberoptic tube, referred to as a scope , through a small incision into a body cavity or into a natural body orifice (opening) such as the ears, nose, mouth, vagina, urethra, or anus. An endoscopy may be diagnostic, performed for the purpose of visualization and determination of the disease process, or it may be surgical including procedures such as incisions, repairs, and excisions.

Endowment assurance

a policy under which the benefit is payable on a predetermined date; the description is often applied to what are strictly ‘life or endowment’ policies where benefit is payable on the earlier of death or the predetermined date.

Endowment insurance

1. Type of life insurance that pays a specific sum of money on the death of the insured within a covered period or at the end of the covered period if the person is still alive. If the insured dies before the maturity date, payment is made to a beneficiary of the policy. 2. A type of life insurance policy in which the cash value and face value are equal to each other at the policy’s maturity date.
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UK: A life insurance policy under which the sum insured is payable on the sooner of death or expiry of a given term of years. The policy combines savings with life protection and can be used to repay mortgages and other loans. The policy generally acquires a surrender value and loan value after a period of time. The policy can be with ‘with’ or ‘without profits’. See HOUSE PURCHASE SCHEMES.

ENDOWMENT LIFE

Endowment life insurance provides a benefit for a specified period (for example, 20 years or until age 65). At the end of the stated period, the policy “matures” or “endows” and the insured collects the face value of the policy. If the insured dies prior to the maturity date, the proceeds are paid to a beneficiary. This type of coverage is usually very expensive when compared to other life insurance contracts. (See Ordinary Life).