ZIP CODE: 10452

LAST ADDRESS ZIP PHONE
ALMEDA INSURANCE 1218 WALTON AVE 10452 718-992-3130
DL INSURANCE BROKERAGE & TRVL 1322 JEROME AVE 10452 718-588-2121
M & J INSURANCE 1605 INWOOD AVE 10452 718-716-8040
MIGRIS TRAVEL & INSURANCE 1348 EDWARD L GRANT HWY 10452 718-293-8656
P & L INSURANCE CORP 20 E MOUNT EDEN AVE 10452 718-901-2406
RAGHUNATH, MOHAMED 1272 GERARD AVE 10452 718-588-0152

ZIP CODE: 10453

LAST ADDRESS ZIP PHONE
ALANDYS MULTI SERVICE 63 E TREMONT AVE 10453 718-583-3100
AMBARINA BROKERAGE 1 E TREMONT AVE 10453 718-294-2704
BEAK BROKERAGE SVCES 1729 MACOMBS RD 10453 718-294-6782
FELIZ TRAVEL 36 W 183RD ST 10453 718-365-1600
HAR-LEM BROKERAGE CORP 1778 JEROME AVE 10453 718-583-1010
M M Z GENERAL FNCL SVC INC 1687 JEROME AVE 10453 718-731-3303
MANI REALTY & TRAVEL AGENCY 2095 GRAND CONCOURSE 10453 718-584-5080
MTS INSURANCE BROKERAGE 18 W 183RD ST 10453 718-733-5974
TOP BROKERAGE INC 2201 GRAND CONCOURSE 10453 718-364-5555

ZIP CODE: 10454

LAST ADDRESS ZIP PHONE
CARDOZA BUSINESS SVCES 235 BROOK AVE 10454 718-585-9060
NICK LUGO TRAVEL 486 E 138TH ST 10454 718-585-6916
PILGRIM OIL CO INC 809 E 140TH ST 10454 718-292-5858

ZIP CODE: 10455

LAST ADDRESS ZIP PHONE
DEMOSTENE ENTERPRISES 456 E 149TH ST 10455 718-292-6600
GARCIA BASILIO INSURANCE 520 E 149TH ST 10455 718-402-3384
MELROSE BROKERAGE 645 MELROSE AVE 10455 718-993-7881
ROUJANSKY, BEN 391 E 149TH ST 10455 718-292-6650
SOTOMAYOR TRAVEL AGENCY INC 610 MELROSE AVE 10455 718-292-7475
TRI ANGLE INSURANCE BRKRS INC 759 E 149TH ST 10455 718-585-2727

ZIP CODE: 10456

LAST ADDRESS ZIP PHONE
BOULEVARD BROKERAGE 260 E 167TH ST 10456 718-293-3820
GALAXY ENTERPRISE 1363 FINDLAY AVE 10456 718-328-5255
HOSTOS INSURANCE BRKRGE CORP 1384 GRAND CONCOURSE 10456 718-538-8075

ZIP CODE: 10457

LAST ADDRESS ZIP PHONE
ALLSTATE INSURANCE COMPANIES 380 E TREMONT AVE 10457 718-409-4500
CLAREMONT INSURANCE & TRAVEL 538 CLAREMONT PKWY 10457 718-299-6818
COUNTY BROKERAGE 535 E 180TH ST 10457 718-367-4000
D C BROKERAGE 1840 WASHINGTON AVE 10457 718-716-9124
FRIENDLY ENTERPRISES 538 CLAREMONT PKWY 10457 718-583-3900
LC BROKERAGE 1964 GRAND CONCOURSE 10457 718-731-5692
MARIO APOLITO BROKERAGE 2200 GRAND CONCOURSE 10457 718-365-6900
MARRERO INSURANCE AGENCY 702 E 180TH ST 10457 718-733-3101
QUINONES-CUEVAS TRAVEL 1880 VALENTINE AVE 10457 718-933-8454

ZIP CODE: 10458

LAST ADDRESS ZIP PHONE
ALLSTATE INSURANCE COMPANIES 2887 WEBSTER AVE 10458 718-365-7000
BRONX HEALTH PLAN 1 FORDHAM PLZ 10458 718-733-4747
BRONX HEALTH PLAN 1 FORDHAM PLZ 10458 718-817-6600
BRYER, FRED 190 S MOSHOLU PKWY AVE 10458 718-733-9206
CIM BROKERAGE 2787 WEBSTER AVE 10458 718-364-7637
DART BROKERAGE CORP 578 E FORDHAM RD 10458 718-365-5656
DCAP INSURANCE 660 E FORDHAM RD 10458 718-220-1111
N T I BROKERAGE 2550 BAINBRIDGE AVE 10458 718-364-2020
PANORAMIC BROKERAGE 281 E KINGSBRIDGE RD 10458 718-220-4100
PAOLA, PAT 2353 BEAUMONT AVE 10458 718-220-5444
ROMEO INSURANCE SVCE 618 E 183RD ST 10458 718-295-8333
TSI BROKERAGE 2623 BRIGGS AVE 10458 718-295-0573
WALTON, GILBERT L 387 E FORDHAM RD 10458 718-563-3600
XURRY STORMS & ASSOCS 2720 GRAND CONCOURSE 10458 718-733-4484

ZIP CODE: 10459

LAST ADDRESS ZIP PHONE
ALDUS BUSINESS SERVICES 858 SOUTHERN BLVD 10459 718-328-1042
IYAMU BROKERAGE 1091 PROSPECT AVE 10459 718-328-9466
LEDESNA DRIVING SCHL INC 900 E 163RD ST 10459 718-991-0425
LUCY RODRIGUEZ INSURANCE 1024 LONGWOOD AVE 10459 718-991-8103
MOLINA, WILFREDO 1015 E 163RD ST 10459 718-589-9008
NARVAEZS TRAVEL & INSURANCE 839 INTERVALE AVE 10459 718-991-9696
PERFECT MATCH 969 PROSPECT AVE 10459 718-542-9770
STEBBINS BROKERAGE 1404 REV JAMES AVE 10459 718-617-2790
WESTCHESTER ASSOCIATES 1122 WESTCHESTER AVE 10459 718-328-2426

ZIP CODE: 10460

LAST ADDRESS ZIP PHONE
GIL DE RUBIO BROKERAGE INC 851 S TREM ST 10460 718-299-5091
HENRYS INSURANCE 1694 BOSTON RD 10460 718-328-0060
RED OWL 1106 E TREMONT AVE 10460 718-597-4050
RUIZ, ALVIN 1195 E TREMONT AVE 10460 718-409-0959

ZIP CODE: 10461

LAST ADDRESS ZIP PHONE
A B A INSURANCE 2015 WILLIAMSBRIDGE RD 10461 718-823-2828
A B C INSURANCE AGENCY 1537 CROSBY AVE 10461 718-829-6660
A Z B Y CENTRA BROKERAGE INC 1626 CROSBY AVE 10461 718-828-4505
ALL SPECIALTIES AGENCY INC 2446 E TREMONT AVE 10461 718-822-3000
ALLRITE AGENCY INC 2964 MIDDLETOWN RD 10461 718-597-1400
ALLSTATE INSURANCE 3219 E TREMONT AVE 10461 718-597-0303
ALLSTATE INSURANCE COMPANIES 1948 WILLIAMSBRIDGE RD 10461 718-892-3100
ALLSTATE INSURANCE COMPANIES 1892 EASTCHESTER RD 10461 718-597-2345
ALLSTATE INSURANCE COMPANIES 1026 MORRIS PARK AVE 10461 718-597-8686
ALLSTATE INSURANCE COMPANIES 2931 WESTCHESTER AVE 10461 718-823-1300
ALLSTATE INSURANCE COMPANIES 3260 WESTCHESTER AVE 10461 718-822-3700
AMAS 2015 WILLIAMSBRIDGE RD 10461 718-931-2988
ASSOCIATE BENEFIT AGENCY 2015 WILLIAMSBRIDGE RD 10461 718-892-2224
CAVALLO, PATRICK J 2044 WILLIAMSBRIDGE RD 10461 718-823-9100
CENTRA BROKERAGE INC 1626 CROSBY AVE 10461 718-828-4793
COLUMBIAN BROKERAGE INC 2844 WESTCHESTER AVE 10461 718-931-4900
DIME SAVINGS BANK NEW YORK FSB2700 E TREMONT AVE 10461 718-892-7400
EAST COAST MOTOR CLUB INC 2387 WESTCHESTER AVE 10461 718-863-2525
FRANK R MOREA INSURANCE AGENCY2964 MIDDLETOWN RD 10461 718-824-9698
GUNTHER INSURANCE AGENCY INC 2117 WILLIAMSBRIDGE RD 10461 718-863-0667
IGM BROKERAGE 2844 WESTCHESTER AVE 10461 718-409-1300
JWR & ASSOCIATES 2387 WESTCHESTER AVE 10461 718-518-0400
KIEFHABER, HENRY C 1717 CROSBY AVE 10461 718-652-8001
MADONNA, FRANK C 2032 WILLIAMSBRIDGE RD 10461 718-409-9333
PASSIATORE, JACK J 2506 E TREMONT AVE 10461 718-792-9770
PHILLIP F NOLAN INSURANCE 2550 E TREMONT AVE 10461 718-409-6642
PROFESSIONAL BROKERAGE SVCS CO1823 HOBART AVE 10461 718-828-1860
PROGRESSIVE INSURANCE 2387 WESTCHESTER AVE 10461 718-863-2525
PROGRESSIVE INSURANCE 1537 CROSBY AVE 10461 718-365-5656
PRUDENTIAL INS 2027 WILLIAMSBRIDGE RD 10461 718-597-3381
SCOVOTTI INSURANCE AGENCY 1717 CROSBY AVE 10461 718-824-1700
STATE FARM INSURANCE INS 1470 WILLIAMSBRIDGE RD 10461 718-863-6633
TARA AGENCY 3040 E TREMONT AVE 10461 718-863-9086
VAN ZANDT AGENCY 1468 WILLIAMSBRIDGE RD 10461 718-931-9302

ZIP CODE: 10462

LAST ADDRESS ZIP PHONE
ABREU AUTO INSURANCE 658 MORRIS PARK AVE 10462 718-828-5283
ALLSTATE INSURANCE COMPANIES 1519 CASTLE HILL AVE 10462 718-823-1500
BELLE BROKERAGE 1588 WHITE PLAINS RD 10462 718-823-0048
BESMATCH INSURANCE AGENCY INC 1990 WESTCHESTER AVE 10462 718-824-0700
CARMELO RIVERA INSURANCE 2168 WESTCHESTER AVE 10462 718-863-5942
COMPETITIVE INS AGENCY 1609 UNIONPORT RD 10462 718-828-0111
CRUISE LAND REALTY CORP 1359 WHITE PLAINS RD 10462 718-409-5000
DAVID S KAPLAN ASSOC INC 2260 E TREMONT AVE 10462 718-822-5500
DCAP INSURANCE 1980 E TREMONT AVE 10462 718-597-7770
FRANCIS J MARTINO INC 935 MORRIS PARK AVE 10462 718-597-6120
GUADAGNO, CARMINE J 929 MORRIS PARK AVE 10462 718-863-1973
HOLY LAND INS & TRVL AGCY INC 650 MORRIS PARK AVE 10462 718-824-3410
KORNFELD INSURANCE BROKERAGE 2144 BRONX PARK E 10462 718-823-7641
MR L INSURANCE AGENCY LTD 1208 CASTLE HILL AVE 10462 718-597-6330
NATIONWIDE INSURANCE 28 METROPOLITAN OVAL 10462 718-904-7455
NEW YORK FINANCE INS BRKRS 1430 ZEREGA AVE 10462 718-792-9700
RIVERA, MIGUEL 1136 CASTLE HILL AVE 10462 718-824-8181
ROADWAY INSURANCE 1213 CASTLE HILL AVE 10462 718-409-2901
ROBERT TERRELL ASSOCS 1134 CASTLE HILL AVE 10462 718-829-5100
SILVESTRY, RAQUEL 708 LYDIG AVE 10462 718-918-0035
SOLANO REALTY 1403 WHITE PLAINS RD 10462 718-822-1833
SPATA-AGNCY INC 1613 UNIONPORT RD 10462 718-892-8311
TSR AGENCY 1142 CASTLE HILL AVE 10462 718-828-6530
WINDFALL BROKERAGE 1142 CASTLE HILL AVE 10462 718-792-0289

ZIP CODE: 10463

LAST ADDRESS ZIP PHONE
ALLSTATE INSURANCE COMPANIES 5608 BROADWAY 10463 718-796-8800
CHEMICAL INSURANCE AGENCY INC 3775 RIVERDALE AVE 10463 718-821-3006
DYNASTY AGENCY INC 3159 SEDGWICK AVE 10463 718-548-9506
FIELDSTON BROKERAGE CO INC 699 W 239TH ST 10463 212-997-0255
GALAXY GENL CONTRCTNG INC 3152 ALBANY CRES 10463 718-601-7000
GRABER AGENCY INC 190 SUMMIT PL 10463 718-549-1963
HOCKEMEYER, CARL J 245 W 231ST ST 10463 718-884-0120
NATIONAL CLAIMS ASSOC INC 3135 JOHNSON AVE 10463 718-548-3000
PATRICK J WARD INC 265 W 231ST ST 10463 718-548-8500
PLUM, AARON 255 W 231ST ST 10463 718-548-8400
QUALITY TRAVEL 110 W 228TH ST 10463 718-563-1690
STATE FARM INSURANCE 245 W 231ST ST 10463 718-884-9200
TOMS BROKERAGE 5582 BROADWAY 10463 718-601-7011
YANKEE BROKERAGE 306 W 231ST ST 10463 718-601-2900

ZIP CODE: 10464

LAST ADDRESS ZIP PHONE
CURY, VIRGINIA L 311 CITY ISLAND AVE 10464 718-885-1480
ISLAND INSURANCE AGENCY 498 CITY ISLAND AVE 10464 718-885-1050

ZIP CODE: 10465

LAST ADDRESS ZIP PHONE
AGUIRRE, ALBERT A 3795 E TREMONT AVE 10465 718-931-4104
INSURANCE STORE 3653 E TREMONT AVE 10465 718-824-0838
MADDEN, JOHN G 3515 E TREMONT AVE 10465 718-792-8950
PARRILLO, EDWARD J 3653 E TREMONT AVE 10465 718-792-8400
VAVOLIZZA, VICTOR 3585 E TREMONT AVE 10465 718-931-7100

ZIP CODE: 10466

LAST ADDRESS ZIP PHONE
ALLSTATE INSURANCE COMPANIES 824 E 233RD ST 10466 718-519-6100
AZEEZ, OLA 3912 WHITE PLAINS RD 10466 718-882-5700
BRONX INSURANCE BROKERAGE 4047 WICKHAM AVE 10466 718-652-2287
CITY SIDE BROKERAGE 656 E 233RD ST 10466 718-515-6560
HOCKEMEYER, FRED P 726 E 233RD ST 10466 718-882-5414
LE MAYS INSURANCE SVCES 3823 BOSTON RD 10466 718-547-2515
MANI REALTY & INSURANCE 4234 WHITE PLAINS RD 10466 718-994-3558
NAMY, DALILA H 726 E 233RD ST 10466 718-515-0053
PARIS INS BROKRGE 3952 BRONXWOOD AVE 10466 718-654-7400
PAX CAR AND LIMOUSINE 4305 WHITE PLAINS RD 10466 718-994-1500
PRUDENTIAL INSURANCE 4243 WHITE PLAINS RD 10466 718-324-2513
RB & W CORPORATION 1701A NEREID AVE 10466 718-994-5876
SONY, BRUNO 4164 WHITE PLAINS RD 10466 718-652-7532
TILLCHOCK AGENCY 4338 WHITE PLAINS RD 10466 516-266-1606
UNICO DRIVING SCHOOL 4366 WHITE PLAINS RD 10466 718-325-7878

ZIP CODE: 10467

LAST ADDRESS ZIP PHONE
ALLSTATE INSURANCE COMPANIES 2241 WHITE PLAINS RD 10467 718-405-0700
ALLSTATE INSURANCE COMPANIES 3407 JEROME AVE 10467 718-653-3900
ALO, FRANK J 3805 WHITE PLAINS RD 10467 718-547-3900
CATHOR BROKERAGE 3578 WHITE PLAINS RD 10467 718-655-6565
CORSO, WILLIAM J 2433 BOSTON RD 10467 718-324-3200
D & S BROKERAGE CO INC 2305 WHITE PLAINS RD 10467 718-547-1300
D & S ENTERPRISES 3259 WHITE PLAINS RD 10467 718-652-8941
D AND I INSURANCE BROKERAGE 3670 WHITE PLAINS RD 10467 718-652-3099
FAD INSURANCE 10 W GUN HILL RD 10467 718-652-8200
FATHERS BROKERAGE INC 715 BURKE AVE 10467 718-652-7070
FEIN INSURANCE & REAL ESTATE 3000 BRONX PARK E 10467 718-798-4900
FEINSTEIN ROSNER ARTALE 3208 WHITE PLAINS RD 10467 718-547-7300
HOPE ALL BROKERAGE 3677A WHITE PLAINS RD 10467 718-881-8282
JRP III 795 ALLERTON AVE 10467 718-828-0456
K B N INSURANCE BROKERAGE 3120 BAINBRIDGE AVE 10467 718-653-3000
LANDI ASSOCS 3246 WHITE PLAINS RD 10467 718-881-4453
LESLIE STEPHENSON INS BRKRGE 3859 WHITE PLAINS RD 10467 718-655-2631
MCINTOSH, COLLIE 3670 WHITE PLAINS RD 10467 718-515-3714
MR INSURANCE & FINANCIAL SVCS 3478 WEBSTER AVE 10467 718-882-5525
PATRIOT PLANNING CORP 330 E 204TH ST 10467 718-881-1650
PELHAM PARKWAY TRAVEL SVCS 2222 WHITE PLAINS RD 10467 718-881-1777
PROGRESSIVE INSURANCE 3510 WEBSTER AVE 10467 718-654-7200
PRUDENTIAL INS AGNT MARTIN 3478 WEBSTER AVE 10467 718-882-5525
RESOURCE FINANCIAL SVCES 772 BURKE AVE 10467 718-547-3997
ULIN, JOHN A 3222 BAINBRIDGE AVE 10467 718-547-0200
VARGAS ENTERPRISES 47 E GUN HILL RD 10467 718-882-2906

ZIP CODE: 10468

LAST ADDRESS ZIP PHONE
APPLEBAUM, ELI 2455 SEDGWICK AVE 10468 718-933-2727
BRONX SPIRIT AGENCY INS INC 95 W FORDHAM RD 10468 718-733-5000
CALDERON INS AGCY & TRVL INC 2622 JEROME AVE 10468 718-584-6108
FEINBERG BROS AGENCY INC 31 BEDFORD PARK BLVD 10468 718-933-1800
HARTENSTEIN, MARVIN 125 W KINGSBRIDGE RD 10468 718-549-5322
NY HANDICAP AUTO DRIVE SCHL 2426 UNIVERSITY AVE 10468 718-365-5058
RODRIGUEZ INCOME TAX SVC 80 W KINGSBRIDGE RD 10468 718-220-5656

ZIP CODE: 10469

LAST ADDRESS ZIP PHONE
A ALLSTAR INSURANCE COMPANY 1306 E GUN HILL RD 10469 718-547-9795
ALFRED PASCHKES INC 2484 WILLIAMSBRIDGE RD 10469 718-654-9860
ALLSTATE INSURANCE COMPANIES 3525 BOSTON RD 10469 718-231-2100
ALLSTATE INSURANCE COMPANIES 1452 E GUN HILL RD 10469 718-519-6700
ALLSTATE INSURANCE COMPANIES 2942 BOSTON RD 10469 718-798-0600
C & D INSURANCE 3384A BOSTON RD 10469 718-654-8101
CAVANAGH & ALESSANDRO INC 1464 HAMMERSLEY AVE 10469 718-379-2820
CHAMPION INSURANCE BROKERAGE 2701 WILLIAMSBRIDGE RD 10469 718-547-7100
DCAP INSURANCE 3434 BOSTON RD 10469 718-655-6656
KLAMMER AGENCY 1101 E GUN HILL RD 10469 718-654-6800
KLAMMER, GARY E 1101 E GUN HILL RD 10469 718-654-6800
LENNOX OR MARTIN & ASSOCS INC 3384 BOSTON RD 10469 718-652-4112
MINDES, ABRAHAM S 1464 HAMMERSLEY AVE 10469 718-320-2229
PRIMERICA FINANCIAL SERVICES 3374 BOSTON RD 10469 718-231-2600
PRUDENTIAL 1444 E GUN HILL RD 10469 718-547-0725
PRUDENTIAL AASHWANI REALTY 3059 EASTCHESTER RD 10469 718-379-2121
RETTZO, ALBERT W 1322 E GUN HILL RD 10469 718-231-2316
RLF INSURANCE 3048 WILSON AVE 10469 718-931-9896
SANTINI, MARY 2436 EASTCHESTER RD 10469 718-547-5651
SPEEDIE R PLUMMER INS AGCY 1343 E GUN HILL RD 10469 718-652-2800
VINCENT S PIAZZA AGENCY INC 900 ALLERTON AVE 10469 718-231-4503
WIL WRIGHT INSURANCE AGENCY 1234 E GUN HILL RD 10469 718-515-0900

ZIP CODE: 10470

LAST ADDRESS ZIP PHONE
A A A BROKERAGE 4636 WHITE PLAINS RD 10470 718-324-8600
ALLSTATE INSURANCE COMPANIES 4731 WHITE PLAINS RD 10470 718-994-5050
J P M INSURANCE AGENCY 524 E 240TH ST 10470 718-324-2111
VERNI AGENCY 530 E 234TH ST 10470 718-325-5770

ZIP CODE: 10471
No Agents or Brokers in this zip code

ZIP CODE: 10472

LAST ADDRESS ZIP PHONE
BERBERENA ACCNT & INS SVCES 1549 WESTCHESTER AVE 10472 718-542-4410
BRUNO BROKERAGE INC 1073 WHITE PLAINS RD 10472 718-829-0134
COMMITTED BROKERAGE 1594 WESTCHESTER AVE 10472 718-861-1600
DONKOR, JOHN 1785 WESTCHESTER AVE 10472 718-792-6110
INTERNATIONAL INSURANCE BRKRS 1885 GLEASON AVE 10472 718-518-0800
MEDINA, JOSE A 1101 CASTLE HILL AVE 10472 718-822-0494
METRO 5000 REALTY 1041 CASTLE HILL AVE 10472 718-863-3000
PRUDENTIAL INS CO OF AMERICA 1857 WESTCHESTER AVE 10472 718-430-9893
R G INSURANCE BROKER INC 1554 WESTCHESTER AVE 10472 718-842-0429
ROSADOS INSURANCE BROKERAGE 1482 WESTCHESTER AVE 10472 718-589-2200
ROSEDALE INSURANCE BROKERAGE 1735 E 174TH ST 10472 718-893-8863
TAINO TRAVEL SERVICE INC 1554 WESTCHESTER AVE 10472 718-842-3366

ZIP CODE: 10473

LAST ADDRESS ZIP PHONE
ALLSTATE INSURANCE COMPANIES 601 SOUNDVIEW AVE 10473 718-617-3300
ROSEN, JERRY 1967 TURNBULL AVE 10473 718-597-1004
SOUNDVIEW INSURANCE & TRAVEL 325 SOUNDVIEW AVE 10473 718-842-7500
VAZQUEZ, WILFREDO 778 CASTLE HILL AVE 10473 718-824-1427

ZIP CODE: 10474

LAST ADDRESS ZIP PHONE
ELVIRA CASTRO GENERAL INS 1098 LAFAYETTE AVE 10474 718-328-2970
SU CASA TRAVEL BUREAU 887 HUNTS POINT AVE 10474 718-378-3232

ZIP CODE: 10475

LAST ADDRESS ZIP PHONE
ALLEN PATRICIA AGENCY INC 131 DREISER LOOP 10475 718-379-6417
ALLSTATE INSURANCE COMPANIES 169 EINSTEIN LOOP 10475 718-379-3300
GIL WALTON AGENCY 4030 BOSTON RD 10475 718-324-1000
PRUDENTIAL 2100 BARTOW AVE 10475 718-379-7220
STATE FARM INS 4030 BOSTON RD 10475 718-994-0780

• Waiting Period: The length
  of time an employee must wait from his/her date of
  employment or application for coverage, to the date
  his/her insurance is effective.
• Waiver: An agreement attached to a
  policy which exempts from coverage certain disabilities
  or injuries that otherwise would be covered by the
  policy.
• Waiver of Premium: A
  provision in some policies to relieve the insured of
  premium payments falling due during a period of
  continuous total disability that has lasted for a
  specified length of time, such as three or six months.
• Will: The legal statement of a
  person’s wishes concerning the disposal of his or her
  property after death.
• Workers Compensation:
  A system established under state law that provides
  payments, without regard to fault, to employees injured
  in the course and scope of their employment.
• Workers’
  Compensation Insurance: Insurance against liability
  imposed on certain employers to pay benefits and furnish
  care to employees injured, and to pay benefits to
  dependents of employees killed in the course of or
  arising out of their employment.
• Written Premiums: The
  entire amount of premiums due in a year for all polices
  issued by an insurance company.

-V-

• 
  Verbal Threshold: In no-fault auto
  insurance states with a verbal threshold, victims are allowed to sue in
  tort only if their injuries meet certain verbal descriptions of the types
  of injuries that render one eligible to recover for pain and suffering.
• 
  Vested Commissions: Renewal commissions
  payable to the writing agent or his estate, whether or not he remains with
  the company.
• 
  Vesting: A provision that a pension participant
  will, after meeting certain requirements, retain a right to all or part
  of the accrued benefits, even though the employee may leave the job before
  retirement.
• 
  Viatical Settlement: Payment of a portion of the proceeds from life
  insurance to an insured who is terminally ill.
• 
  Voluntary Market: The market where
  one seeking insurance obtains insurance in the open market with no help
  from the state, through an insurer of his or her own selection.

-U-

• 
  Umbrella Liability: Insures losses
  in excess of amounts covered by other liability insurance policies; also
  protects the insured in many situations not covered by the usual liability
  polices.
• 
  Underwriter: (1) a company that receives
  the premiums and accepts responsibility for the fulfillment of the policy
  contract; (2) the company employee who decides whether or not the company
  should assume a particular risk; (3) the agent who sells the policy.
• 
  Underwriting: The process of selecting
  risks for insurance and determining in what amounts and on what terms the
  insurance company will accept the risk.
• 
  Underwriting Profit or Loss:
  The amount of money which an insurance company gains or loses as a result
  of its insurance operations. It excludes investment transactions and federal
  income taxes.
• 
  Unearned Premium: The portion of
  a premium that a company has collected but has yet to earn because the
  policy still has unexpired time to run.
• 
  Uniform Premium: A rating structure
  in which one premium applies to all insureds, regardless of age, sex, or
  occupation.
• 
  Uninsurable Risk: One not acceptable
  for insurance due to excessive risk.
• 
  Uninsured/Underinsured
  Motorist Coverage: A form of insurance that pays the policy holder
  and passengers in his/her car for bodily injury caused by the owner or
  operator of an uninsured or inadequately insured automobile.

-T-

• 
  Tax Basis: The cost from which your profits
  or losses are calculated for income tax purposes.
• 
  Taxable estate: The value upon which
  estate taxes are calculated by the federal government.
• 
  Tenants in common: A form of joint
  property ownership in which the owners may have unequal shares and which
  does not involve a right of survivorship.
• 
  “Testamentary trust”: A trust created
  through the will of its creator.
• 
  Third Party: The claimant under a liability
  policy. So called because the person making the claim is not one of the
  two parties, insured and insurer, to the insurance contract.
• 
  Third party claim: a demand made
  by a person against a policyholder of another company and any payment that
  will be made by that company.
• 
  Third-party over suit: a lawsuit
  where a third party tries to recover damages assessed against that party
  by bringing suit against the employer.
• 
  Threshold (No-Fault): The point, measured
  in money, time or other ways, beyond which tort liability can be established.
  Until that point is reached, reparations must be paid within the provisions
  of the no-fault plan, with no recourse to the courts.
• 
  Time Limit: The period of time during which
  a notice of claim or proof of loss must be filed.
• 
  Tornado: A whirling wind over land, accompanied
  by a funnel-shaped cloud. It is usually very violent and destructive in
  a narrow path, often for many miles.
• 
  Tort: A civil wrong, other than a breach of contract,
  for which a court of law will afford legal relief, i.e. harming another
  by an act of negligence in driving an auto.
• 
  Total Disability: An illness or injury
  which prevents an insured person from continuously performing every duty
  pertaining to his/her occupation or engaging in any other type of work.
  (This wording varies among insurance companies.)
• 
  Travel Accident Policy: A limited
  contract covering only accidents while an insured person is traveling,
  usually on a commercial carrier.
• 
  Treaty: An agreement between a reinsurer and
  a ceding insurer setting forth details of the reinsurance arrangement.
• 
  Trust: A legal instrument allowing one party
  to control property for the benefit of another.
• 
  Turnover Rate: The rate at which employees
  terminate covered service other than by death or retirement. Expected future
  turnover can be taken into account in translating contributions into benefits.
• 
  Twisting: The practice of inducing by misrepresentation,
  or inaccurate or incomplete comparison, a policyholder in one company to
  lapse, forfeit or surrender his insurance for the purpose of taking out
  a policy in another company.

• Salvage: Recovery made by an
  insurance company by the sale of property which has been
  taken over from the insured as a part of loss settlement.
• Self-Insurance:(1) A program
  for providing group insurance with benefits financed entirely
  through the internal means of the policyholder, in place of
  purchasing coverage from commercial carriers. (2) A form of
  risk financing through which a firm assumes all or a part
  of its own losses.
• Senior Citizen
  Policies: Contracts insuring persons 65 years of age
  or more. In most cases, these policies supplement the
  coverage afforded by the government under the Medicare
  program.
• Service-Type Plans:
  Plans that provide their benefits in the form of services
  rendered rather than cash (for example, Blue Cross and
  Blue Shield).
• Settlement Options: The
  several ways, other than immediate payment in cash, which
  a policyholder or beneficiary may choose to have policy
  benefits paid.
• Short-Term
  Disability Income Insurance: The provision to pay
  benefits to a covered disabled person as long as he/she
  remains disabled up to a specified period not exceeding
  two years.
• Skip person: a beneficiary who
  is at least two generations younger than the person
  making the transfer.
• Social Security Freeze:
  A long- term disability policy provision which
  establishes that the offset from benefits paid by Social
  Security will not be changed regardless of subsequent
  changes in the Social Security law.
• Social Security Option:
  An option under which the employee may elect that monthly
  payments of an annuity before a specified age (62 or 65)
  be increased, and that payments thereafter be decreased
  to produce, as nearly as practical, a level total annual
  annuity to the employee, including Social Security
  benefits when they become due.
• Soft Market: That part of the
  insurance sales cycle in which competition is at a
  maximum as insurance companies use their excess capacity
  to sell more policies at lower prices (see "Hard
  market").
• Special Damages:
  Compensation awarded for actual economic losses, such as
  medical expenses and lost wages. (See general damages)
• Special Risk Insurance:
  Coverage for risks or hazards of a special or unusual
  nature.
• Spouse’s Benefit: Payments
  to the surviving spouse of a deceased employee, usually
  in the form of a series of payments upon meeting certain
  requirements and usually terminating with the survivor’s
  remarriage or death.
• Standard Insurance:
  Insurance written on the basis of regular morbidity
  underwriting assumption used by an insurance company and
  issued at normal rates.
• Standard Markets:
  insurance companies for which the vast majority of people
  qualify
• Standard Provision:

  Those contract provisions generally required by state
  statutes until superseded by the uniform policy
  provision. (2)A set of policy provisions prescribed by former
  laws setting forth certain rights and obligations of both the
  insured and the company under an individual policy of
  health insurance. These were originally introduced in
  1912 and have now been replaced by the Uniform
  Provisions.

• Standard Risk: A person who,
  according to a company’s underwriting standards, is
  entitled to purchase insurance protection without extra
  rating or special restrictions.
• State Disability Plan:
  A plan for accident and sickness, or disability insurance
  required by state legislation of those employers doing
  business in that particular state.
• State Fund: A fund set up by a
  state government to provide a specific line or lines of
  insurance. Some state permit private insurers to compete
  with the state fund.
• State Insurance
  Department: A department of a state government whose
  duty is to regulate the business of insurance and give
  the public information on insurance.
• State-of-the-Art
  Defense: An argument used in product liability cases
  that the technology needed to avoid the loss in a
  particular case did not exist at the time of the
  product’s manufacture
• Statutory Accounting:

  Special accounting practices for insurance companies
  required by state law and designed to provide greater
  protection for the public against potential insolvency of
  these essential institutions.

• Statutory
  Accounting Principles (SAP): Principles required by
  statute which must be followed by an insurance company
  when submitting its financial statements to the various
  state insurance departments. Such principles differ from
  the Generally Accepted Accounting Principles (GAAP).
• Statutory
  Underwriting Profit or Loss: Premiums earned less
  losses and expenses.
• Step-Rate Premium: A
  rating structure in which the premiums increase
  periodically at pre-determined times such as policy years
  or attained ages.
• Step-up in basis:An
  increase in the tax basis of property to the value
  claimed in the taxable estate of a decedent.
• Stock Company: A company
  organized and owned by stockholders, as distinguished
  from the mutual form of company which is owned by its
  policyholders.
• Stock Exchange: An
  organization that provides a facility for buyers and
  sellers of listed securities to come together to make
  grades in those securities.
• Stockholder (or
  shareholder): A person who owns shares of stock in a
  corporation.
• Stock Insurance
  Company: A company in which the legal ownership and
  control is vested in the stockholders.
• Strict Liability:
  Liability for damages even though fault or negligence
  cannot be proven.
• Subrogation: Process by which
  one insurance company seeks reimbursement from another
  company or person for a claim it has already paid.
• Substandard
  (Impaired Risk): A risk that cannot meet the normal
  health requirements of a standard health insurance
  policy. Protection is provided in consideration of a
  waiver, a special policy form, or a higher premium
  charge. Substandard risks may include those persons who
  engage in certain sports and persons who are rated
  because of poor habits or morals.
• Substandard Insurance:
  Insurance issued with an extra premium or special
  restriction to those persons who do not qualify for
  insurance at standard rates.
• Substandard Risk: An
  individual, who, because of health history or physical
  limitations, does not measure up to the qualification of
  a standard risk.
• Surety Bond: An agreement
  providing for monetary compensation in the event of a
  failure to perform specified acts within a stated period.
  The surety company, for example, becomes responsible for
  fulfillment of a contract if the contractor defaults.
• Surplus:(1)The net worth of a
  company, i.e. the amount by which assets exceed liabilities.
  Adequate net worth is necessary for the protection of
  policyholders against unforeseen losses. (2)The amount by which
  the value of an insurer’s assets exceeds its liabilities.
• Surplus Lines: (1) A risk or
  a part of a risk for which there is no normal insurance
  market available. (2) Insurance written by non-admitted
  insurance companies.

-R-

• 
  Rate: The pricing factor upon which the insurance
  buyer’s premium is based.
• 
  Rated Policy: Sometimes called an “extra
  risk” policy, an insurance policy issued at a higher-than-standard premium
  rate to cover the extra risk where, for example, an insured has impaired
  health or a hazardous occupation.
• 
  Ratemaking: The statistical process by
  which insurers determine risks and pricing for the basic classes of insurance.
• 
  Rating Territory: A geographical
  grouping in which like hazards tend to equalize and permit the establishment
  of an equitable rate for the territory.
• 
  Reasonable and Customary
  Charge: A charge for health care, which is consistent with the going
  rate or charge in a certain geographical area for identical or similar
  services.
• 
  Rebating: Giving any valuable consideration,
  usually all or part of the commission, to the prospect or insured as an
  inducement to buy or renew. Rebating is prohibited by law.
• 
  Reduced Paid-up Insurance:
  A form of insurance available as a nonforfeiture option. It provides for
  continuation of the original insurance plan, but for a reduced amount.
• 
  Regulation: Supervision of business practices
  by a governmental entity.
• 
  Rehabilitation: (1) Restoration of
  a totally disabled person to a meaningful occupation, (2) a provision in
  some long- term disability policies that provides for continuation of benefits
  or other financial assistance while a totally disabled insured is retraining
  or attempting to resume productive employment.
• 
  Reimbursement: The payment of the expenses
  actually incurred as a result of an accident or sickness, but not to exceed
  any amount specified in the policy.
• 
  Reinstatement: The resumption of coverage
  under a policy which has lapsed.
• 
  Reinsurance: Assumption by one insurance company
  of all or part of a risk undertaken by another insurance company.
• 
  Reinsurance: The acceptance by one or
  more insurers, called reinsurers, of a portion of the risk underwritten
  by another insurer who has contracted for the entire coverage.
• 
  Reinsurance : The purchase of insurance
  by an insurance company from another insurance company (reinsurer) to provide
  it protection against large losses on cases it has already insured.
• 
  Reinsurance Facility: An alternative
  mechanism to service those insureds that cannot obtain insurance in the
  voluntary market. Premiums and losses for the business that is ceded to
  the facility are pooled and all insurers share according to their proportion
  of the voluntary market.
• 
  Renewal: Continuance of coverage under a policy
  beyond its original term by the insurer’s acceptance of the premium for
  a new policy term.
• 
  Renter’s Policy: A package type of
  insurance that includes coverage similar to a homeowners policy to cover
  the personal property of a renter or tenant in a building.
• 
  Replacement: The substitution of health
  insurance coverage from one policy contract to another.
• 
  Replacement Cost: The cost to repair
  or replace property at construction costs prevailing at time of loss; the
  cost to repair or rebuild property without considering depreciation. (See
  Actual Cash Value)
• 
  Replacement ratio: The percentage
  of income before retirement that is required to be replaced to maintain
  the same standard of living after retirement.
• 
  Representation: Statements made by
  an applicant in the application, which he represents as being substantially
  true to the best of his knowledge and belief, but which are not warranted
  as exact in every detail.
• 
  Rescission: Termination of an insurance
  contract by the insurer on the grounds of material misstatement on the
  application for insurance. The action of rescission must take place within
  the contestable period or Time Limit on Certain Defenses but takes effect
  as of the date of issue of the policy, thus voiding the contract from its
  inception.
• 
  Reservation of Rights: An arrangement
  whereby an insurer defends a case without commitment to provide coverage
  in the event that the facts disclosed during the trial reveal that the
  occurrence is not covered.
• 
  Reserve: (1) An amount representing liabilities
  kept by an insurer to provide for future commitments under policies outstanding.
  (2) An amount allocated for a special purpose. Note that a reserve is usually
  a liability and not an extra fund.
• 
  Residual Disability: A period
  of partial disability that immediately follows a period of total disability.
  Benefits for residual disability are paid on a pro-rata basis, depending
  on the percentage of earnings loss.
• 
  Residual Disability Benefits:
  A provision in an insurance policy that provides benefits in proportion
  to a reduction of earnings as a result of disability, as opposed to the
  inability to work full-time.
• 
  Residual Market: (1) A system through
  which insurance is made available to buyers that represent unusually high
  risks. (2)A source of insurance available to applicants who are unable
  to obtain insurance through ordinary methods in the voluntary market. (See
  AIP, JUA, Facility)
• 
  Retention: (1) The net amount of risk retained
  by an insurance company for its own account or that of specified others,
  and not reinsured. (2) The amount of the risk kept for oneself, as opposed
  to the amount it insures (or reinsures) with another.
• 
  Retrocession: The process by which a
  reinsurer obtains reinsurance from another company.
• 
  Retrospective Date: The first date
  for which claims will be paid under a claims-made policy of liability insurance.
• 
  Retrospective Rating: Rating
  procedure which allows adjustment of an insured’s final rate on the basis
  of the insured’s own loss experience.
• 
  Revocable Trust: A trust that can
  be terminated or revoked by its creator.
• 
  Rider: (1) A document which amends the policy
  or certificate. It may increase or decrease benefits, waive the condition
  of coverage or in any other way amend the original contract. (2) A special
  policy provision or group of provisions that may be added to a policy to
  expand or limit the benefits otherwise payable. (3) A document that modifies
  the policy. It may increase or decrease benefits, waive a condition or
  coverage, or in any other way amend the original contract.
• 
  Right of Survivorship: At the
  death of one co-owner of property, that person’s interest in the property
  automatically passes to the surviving joint tenant or tenants.
• 
  Risk: The chance of loss. Also used to refer
  to the insured or to property covered by a policy. (2) Any chance of loss.
  (3) A term used to refer to a person or the peril insured.
• 
  Risk Classification: The process
  by which a company decides how its premium rates for life insurance should
  differ according to the risk characteristics of individuals insured (e.g.,
  age, occupation, sex, state of health) and then applies the resulting rules
  to individual applications. (See: Underwriting)
• 
  Risk control: any conscious action (or
  decision not to act) intended to reduce the frequency, severity, or unpredictability
  of accidental losses.
• 
  Risk Retention Group: An alternative
  form of insurance in which members of a similar profession or business
  band together to self insure their risks.
• 
  Robbery: The taking of property from a person
  by force or threat of violence.
• 
  Rollover: Transfer of IRA or other qualified
  pension funds from one financial institution (trustee) to another.