<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31477289</termId><termName>insurance policies</termName><termType>PT</termType><termNote><![CDATA[ Documents by which one party (the insurer) in consideration of a premium, engages to indemnify another (the insured) against a contingent loss, by making a payment in compensation. ]]></termNote><termCreatedDate>2026-03-30 21:08:32</termCreatedDate><relation><relationType>UF</relationType><termId>31477290</termId><termName>insurance policy</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31477291</termId><termName>policies, insurance</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31466556</termId><termName>insurance records</termName><termType>PT</termType></relation></term>  </Zthes>