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Property that is not land or connected to land (real estate), such as furniture or jewelry. Chapter 7 Bankruptcy Insurance examiner. The representative of a state insurance department assigned to audit and examine the affairs of an insurance company. 
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Inspection An event, or repeated exposure to conditions, which unexpectedly causes injury or damage during the policy period. Security is an asset, such as a TV, house, car, or other tangible property which is used to “secure” a loan advanced to you. If you fail to make the repayments on the loan, the creditor can repossess the items used as security. 
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Personal Statement The most recent amount which has been reported as “owing” by a creditor. Security Code: The numbers printed on the back or front of a credit card, which help to verify its authenticity. 
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Expense Ratio - The ratio of underwriting expenses (including commissions) to net premiums written. This ratio measures the company's operational efficiency in underwriting its book of business. An extension of time given in good will to a consumer or business which is already delinquent on a loan. A grace period gives the entity a chance to make the repayment, without foreclosure or default processes being started. Personal Line of Credit: It is the maximum amount which can be borrowed by a consumer. It is based on the income level and the credit history of the consumer. 
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