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.

Uninsurable Risk – One not acceptable for insurance due to excessive risk.

Usual, Customary and Reasonable Expenses – The amount customarily charged for similar services and supplies which are medically necessary, recommended by a doctor or required for treatment.

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