Acronym Term Definition3AN Allstate Asian American Network 3AN develops leaders of tomorrow through professional development, networking, cultural awareness, and

knowledge sharing.A&DS Accounting And Document ServicesA&RI Awards & Recognition InitiativeA*WIN Allstate Women's Information Network The Allstate Women's Information Network (A*WIN) empowers women to realize their professional aspirations

and drives continued positive changes in alignment with the vision for Allstate's cultureA/C RC Agency/Company Relations CommitteeA/F AccommodationA/I Allstate Indemnity Normally policies for non-standard auto risks (except Texas, California and new Jersey) are sold under the

Allstate Indemnity Company. This enables marketing strategies and rates to be specifically tailored to this unique market.

A/L Auto LiabilityA/V Accident/ViolationAA Affirmative ActionAA Agent AdvocacyAA Allstate AgentAA Allstate AnnuityAA Application AnalystAA Associate AgentAAAWOLAA Acronyms Are A Way Of Life At AllstateAAB Architecture Assurance BoardAAC Agency Advisory CongressAAC Agent Advisory CongressAACM Administrative Agency Consulting Mgr.AAD Allstate Agency Distribution New organization created to support the Allstate Agency distribution channelAAHP Allstate Agent Home PageAAIR Allstate Agent Inspection RequestAAIR Allstate Automated Inspection RequestsAAMA American Automobile Manufacturers AssociationAAN Allstate Adoption Network The Allstate Adoption Network is dedicated to providing information, education, and support to Allstateâ €™s

prospective adoptive parents and adoptive families of both domestically and internationally adopted children.

AAP Adjusted Annual Premium The figure which represents what a policy's premium would be if it was calculated on an annualized basis. For example, if a policy effective January 1st has a $1000 premium and had a $500 (charge) endorsement added on July 1st, the policy's premium would be $1500 but the AAP would be $2000. Used extensively in billing logic.

Acronym and Glossary List

Acronym Term DefinitionAAP Affirmative Action Plan A written set of measurements and specific results-oriented steps that identify areas where women and/or

minorities are under utilized. A tool to assist managers in reaching this goal.AARC Adverse Action Reason CodeAARP American Association of Retired PersonsAASC Allstate Agency Support CenterAAWN African American Working NetworkABC Activity Based Costing A project conducted in the Finance department to determine how much each activity or transaction actually

costs. In other words, how much does it cost to issue a line 11 renewal versus a line 55 endorsement versus a line 48 audit, etc. Costs can be broken down in various ways to accommodate the different needs of different financial and budget groups.

ABC Agency Business Consulting ToolsABC Allstate Benefits CenterABCS Agency Business Compliance ScorecardsABD Allstate Board of DirectorsABEND Abnormal End Of TaskABIG American Bankers Insurance GroupABIPO Allstate Billing Information And Payment OptionsABM Asynchronous Balanced ModeABO Annuity Benefit OptionABOUT Allstate Business Objects User TrainingABOUT Allstate Business Objects Users/Developers TeamABR Agency Business ResultsABS Agency Business Services Agency Business Services (ABS) is a web-based application that serves as the agents 'shopping cart' for

ordering Allstate Financial marketing materials.ABSD Agency Business Systems DivisionABVP Allstate Brand Value PropositionAC Account ValueAC Actual Cost Actual cost are total costs incurred that must relate to whatever cost was budgeted within the planned value

and earned value in accomplishing work during a given time period.AC Agency Compensation Gross pay earned by agencies and based primarily on a percentage of new and renewal written premium.

Also included are production allowance credits plus awards.AC Allstate CorporationACA Attribute Certification AuthorityACAT Allstate Center For Assistive Technology The Allstate Center for Assistive Technology is an Allstate department that provides equipment and services

to Allstate employees who cannot use traditional workstations. Technology available ranges from screen reader software to screen magnification tools and from mice for lefties to ergonomically-designed keyboards.

ACATS Automated Account Transfer Service System that automates and standardizes procedures for the transfer of assets in a customer account from one brokerage firm and/or bank to another. ACATS can expedite account transfers by permitting transfers to be accomplished in an automated environment. NSCC developed ACATS in conjunction with the NYSE, its Rule 412 Task Force Committee and the NASD to address the industry?s need to reduce delays and inconsistencies associated with manual processing. Instruments handled by the system include equities, corporate and municipal bonds, unit investment trusts, mutual funds, options, cash and other investment products.

ACB Access Control Block

Acronym Term DefinitionACB Application Control BlockACC Auto Correct ClassificationACCW Agent Claim Check WritingACD Anchorage Claims DepartmentACD Automated Call Dispatch/DistributionACD Automatic Call DistributionACE Achieving Communication EffectivenessACE Agency Claim EnhancementACE Allstate Component For The EnterpriseACE Allstate Cost EstimatorACE American Council On EducationACES Aggresive Contact Early SettlementACF Advanced Communications FunctionACF Agent Control File A component of Life/70.ACFP Allstate Consumer Finance ProgramACFSC Allstate Consumer Finance Services CenterACH Automatic Clearing HouseACHP Agent Claims Handling ProcesACHP Automated Clearing House ProcessACIC Allstate Client Information CenterACID Atomicity, Consistency, Isolation, And DurabilityACJ Agency Consultation JournalACL Access Control List A way of specifying which users or group of users have access to a system resource, such as a file or

directory.ACLI American Council of Life InsurersACLU American College of Life UnderwritersACM Administrative Claim ManagerACM Advisory Council MeetingACM Agency Consulting ManagerACM Allstate County Mutual A company operated by Allstate in Texas, serving specialty auto risks.ACM-T Allstate County Mutual In TexasACMIC Allstate County Mutual Ins CompanyACO Allstate Claims OrganizationACORD Agency-Company Organization For Research And

DevelopmentProperty and liability insurers formed this organization which helps member companies develop recording information standards. Allstate uses many ACORD forms in various facets of the company.

ACORD Association For Cooperative Operations Research And Development

Insurance industry's nonprofit standards developer. Standards are a set of rules and guidelines that allow companies to transact business electronically with agents and other partners in the financial services market.

ACP Actuarial Career ProgramACP Agent Claim ProgramACP Automated Claim Processor ClaimsACPC Allstate Commercial Profit CenterACPP Agent Claim PartnershipACRS Asian Counsel & Referral ServiceACRT Agency Consultation And Reporting Tool

Acronym Term DefinitionACS Agency And Customer SupportACS Associate In Customer ServiceACS Automated Cartridge System A Tape Silo TermACSE Association Control Service ElementACSQ Agency Customer Satisfaction QuestionnaireACSQ Agent Customer Satisfaction QuestionnaireACT Affiliate Company Transfer Policy Conversion at renewal from a line 10 to a line 19 new business policy.ACT Agency Choice TechnologyACT Agents Council For TechnologyACT Auto Claim TransformationACT Automated Claims TransactionACV Actual Cash Value Claims - The cost of replacing or restoring property at prices prevailing at the time and place of the loss, less

depreciation. Another definition, the sum of money required to replace property (less depreciation) that takes into account physical wear and tear.

AD Agency DesktopAD Agent Hierarchy DisplayAD&D Accidental Death & DismembermentADA Americans With Disabilities Act Became law in 1990, designed to provide legal protection for persons with disabilities similar tot he protection

that federal law already provides against race, religion, national origin and gender discrimination.

ADAMS Actuarial Data And Modeling StrategyADAMS Allstate Data Management SystemsADAPT Astounding Delivery To Allstate Protection TechnologyADATS Agency Distribution Analytics Technology StrategyADB Accidental Death Benefit This is a coverage which allows an additional payment to be made in excess of the face amount of the policy

if the insured's death is caused by an accident.ADBR Accelerated Death Benefit RiderADC Atlantic Data CenterADE Alert Data EntryADE Application Development EnvironmentADEM Advanced Data Communications For Stores EmulationADEPT Allstate Data Evaluation And Performance Tracking An underwriting assist mechanized renewal review system which consolidated various Systems' review lists

into one common report.ADG Allstate Data Guide A guide to information used at Allstate. Information about Allstate data is gathered from many sources and

integrated to define the data and trace its use as it moves through Allstate systems.ADI Agency Desktop ImplementationADI Alaska Division Of InsuranceADIG Allcorp Data Information GuideADL Accelerated Development Lab The Accelerated Development Lab (ADL) is a high-performance environment for controlling software

development projects that use non-standard systems development processes or methods. ADL is a key part of transforming our organization because it helps identify best practices.

ADM Administrative Division Manager A manager in the Controller Department who reports to the Controller. Manages the Administrative Division of the Department.

ADM Agency Development ManagerADM Allcorp Data Management

Acronym Term DefinitionADNT Agency Desktop For Windows NTADP Agency Development PlanADP Agency Development Process/Agency Development Program

ADP Automated Data ProcessingADR Agent Development ReportADR Alternative Dispute Resolution Alternative Dispute Resolution is used instead of litigation when settling a claim. For example, arbitration or

mediation.ADR2 Agency Desktop Release 2ADRF Allstate Dataset Request FacilityADS Accounting And Document ServicesADS Actuarial Data StrategyADS Area Data SetADS Auto Development SummaryADS Auto Development SystemADSSME Allstate Data Solution Subject Matter ExpertsADST Allstate Data Solutions TeamADT Abstract Data Type Abstract Data Type defines both the representation and operations of a data type.ADT Agency Desktop TeamADT Agency Desktop TechnologyADT Atlantic Daylight Saving TimeADW Allcorp Data Warehouse The Allcorp Data Warehouse provides access to integrated corporate information organized for analysis,

reporting and application needs. Subsets of ADW information is grouped in different ways for different functions or types of analysis. These groupings are called Business Access Layers and are represented in the Allstate Data Guide in Business Access Models (BAM's) and Business Objects Universes.

AE Account ExecutiveAE Auto EndorsementsAE Auto ExpressAEA Administrative Expense AllowanceAEA Agency Expense AllowanceAEBT Allstate Ethnic Business TeamAEF Agent Election FormAEI Allstate Enterprise InitiativeAEI Allstate Enterprise, Inc.AeP Allstate eProjectAEQ Alliance Easy QuoteAER Aviation Exclusion RiderAES Customer Disclosure Statement And Acknowledgement

(CDSA)AET American Experience TableAEV Average Earned Premium The amount of earned premium per exposure.AEZP Allstate Easy Pay PlanAEZPD Allstate Easy Pay Plan DiscountAF Actual Finish Date Actual Finish Date is the point in time that work actually ended on an activity.

Acronym Term DefinitionAF Allstate FinancialAF At FaultAFA Allstate Financial AdvisorsAFA Allstate Financial AgentsAFCIC Allstate Fire And Casualty Insurance CompanyAFD Allstate Financial DistributorAFDI Allstate Financial Distributors, Inc.AFIC Allstate Floridian Ins CompanyAFIS Allstate File Information System A mechanized system that replaces the paper policy file for Line 10 auto policies. It provides visual displays,

detailing coverages, vehicles, drivers, claims, cross indexes and policy changes.AFLSC Allstate Financial Life Service Center DirectoryAFP Advanced Function Printing The ability of program products to use the all-points-addressable concept to print text and graphics on a

printer.AFP Advanced Program-To-Program CommunicationAFP Automated Forms PrintingAFPDS Advanced Function Printing Data StreamAFPU Advanced Function Printing UtilitiesAFR Auto File Review ClaimsAFS Allstate Financial Services May be referred to as a distribution 'channel' by other areas within the Allstate Financial organization,

However, it is a legal entity.AFSB Allstate Federal Savings Bank Name now changed to Allstate Bank. Allstate's consumer deposit, loan, and trust services bank launched on

the Internet October 1, 2001.AFSC Associates Financial Services CorporationAFSP Allstate Foundation Scholarship ProgramAFT Allstate Financial TechnologyAFTU Automatic File Transfer UtilitiesAFVP Assistant Field Vice PresidentAFWD Allstate Financial Workplace DivisionAG Agency GatewayAGB Agent Group BankingAGI Accelerated Growth InitiativeAGP Average Gross Premium The average price of policy or item developed by dividing gross written by gross policies issued.AGS Agency Gateway SiteAGT Agency TraineeAGTS Agency Gateway Taxonomy StewardAHB Allstate Hispanic BookAHD Advanced Help DeskAHH Allstate Helping HandsAHIS American Heritage Insurance ServicesAHL American Heritage LifeAHP Agent Home PageAI Acquisition IntegrationAI Additional InsuredAI Artificial Intelligence A variety of types of information systems that emulate human thinking.AIA American Insurance Association

Acronym Term DefinitionAIAP Agency Information Access ProgramAIC Allstate Indemnity CompanyAIC Allstate Insurance CompanyAIC Associate In ClaimsAICRA Automobile Insurance Cost Reduction ActAID Architecture Integration DevelopmentAIF Agent Information File A file containing agent's information used by RALIEAIG American Insurance GroupAIIAB Alaska Independent Insurance Agents & BrokersAIM Associate In ManagementAIN Advantis Information NetworkAIP Additional Interested Party A term used to describe individuals or entities, other than the insured, who have some stake in a policy. This

is sometimes best indicated by who gets a copy of a policy besides the insured. Examples of AIP's include LPC's. mortgagees, certificate holders, etc.

AIP Annual Incentive PlanAIP Automobile Insurance PlanAIPC Automobile Insurance Plan CentersAIPR Agent Income Progress Report A report summarizing an agent's compensation, by product line, for monthly, quarterly and year-to-date

results.AIPSO Auto Insurance Plan Service OrganizationAIPSO Automobile Insurance Plan Service OrganizationAIR Additional Insured Rider Option on Universal Life Product which provides additional term insurance for your spouse at the same rates

of the Insured under Allstate's Level Best Gold or Platinum. It remains in force as long as you continue the coverage or until your spouse reaches age 95, if earlier. It can be converted to permanent coverage regardless of your spouse's health at the time. The rider can also be taken out for another close family member, such as a parent, sibling, child, or grandchild. Only one Additional Insured Rider may be added per policy.

AIR Assumed Investment RateAIRP Agent Income Progress Report SystemAIS Agency Impact SystemAIS Allstate Information SecurityAISC Allstate Ins Service CenterAISC Allstate Insurance Service CenterAIX Advanced Interactive ExecutiveAKA Also Known AsAKDT Alaska Daylight Saving TimeAKP Alkaline Phosphatase-Liver Function TestAKST Alaska Standard TimeAL Adult LongsALAE Allocated Loss Adjustment Expense InternationalALBP Allstate Level Best PlatinumALBT Allstate Level Best TeamALC Allstate Learning CenterALE Additional Living Expense The coverage that pays for the increased expense of living while the insured's residence is being rebuilt or

repaired after damage from an insured peril. Used in Claims.

Acronym Term DefinitionALE Allstate LAN ExtensionALERT ALERT SystemALERT See AURESALFSC Allstate Financial Life Service CenterALG Allstate Leadership GroupALIC Allstate Life Insurance CompanyALICNY Allstate Life Insurance Company Of New YorkALLPAC Allstate Political Action CommitteeALM Asset Liability MatchingALN Allstate Learning NetworkALNY Allstate Life Insurance Company Of New YorkALR Adjusted Loss RationALSC Allstate Life Service CenterALSTAR Allstate Sales Information Processing Systems/NetworkALSTAR Sales Information Processing Systems/NetworkAM Agency ManagerAM Agent MaintenanceAM Of A Agent Manual Of AchievementAMAC Agency Manager's Advisory CongressAMAC Agent Move Add ChangesAMBC Allstate Market Business ConsultantAMC Agency Manager CongressAMC Allstate Management CurriculumAMC Allstate Motor ClubAMDB Availability Management Database Repository used to record and store information required for support of key Availability Management activities

such as report generation, statistical analysis, and availability forecasting.AMP Area Management Policy The area management policy describes an organization's policies for conducting project management efforts.

The AMP provides the area standard processes to be followed for software development, the area standard methods to be used, and the area standard approach to be followed for each activity, including project schedules, organization, and resources.

AMP Average Monthly ProductionAMPS Allstate Mechanized Par SystemAMPS Automated Mechanized Pursuit System A mechanized Underwriting program that identifies potentially erroneous auto new business rating

classifications based on information contained on the application.AMS Access Method ServicesAMS Agency Management SystemAMS Allstate Measurement System Allstate Measurement System is a decision support application for Customer Satisfaction Measurement

System (CSMS) and Agent Customer Satisfaction Questionnaire (ACSQ) that includes ad hoc query and structured On-Line Analytical Processing (OLAP) analysis using Essbase,

AMS Average Monthly SalesAMSD Auto Market Share DevelopmentAMT Account Management Teams HRSS Teams That Advise And Counsel Department Management And Employees On Day-To-Day HR

Related IssuesAMT Agency Management TraineeAMT Alternative Minimum Tax

Acronym Term DefinitionAMTC Agency Management Training CourseAMTRT Agency Management Trainee Rotation TrainingANA Allstate Networking AgencyANA American Nurses AssociationANA Assign Network AddressAND Agency Support NetworkANGLES Allstate Network of Gay and Lesbian Employees and

SupportersPromote an inclusive work environment for Allstate employees who support or who are gay, lesbian, bisexual, or transgender through education, networking, and workplace collaboration; and by encouraging an open and honest work environment and by helping the company if requested to better reach the gay community as potential customers, and employees. This is to include further the awareness of gay, lesbian, bisexual and transgender issues. Provide Members of ANGLES with an opportunity to network with other gay, lesbian, bisexual and transgender employees in a safe and comfortable environment. Encourage member involvement in community service opportunities available through Allstate.

ANGLES Allstate Network of Gay and Lesbian Employees and Supporters

ANI Allstate Northern IrelandANJ Allstate New JerseyANJIC Allstate New Jersey Insurance CompanyANSI American National Standards Organization A standards organization in the US which is well known for their language compiler and SQL standards.

ANSI X12 American National Institute Accreditations Standards Committee 12

ANUG Allstate .NET User GroupAOB Assignment Of BenefitsAOC Area Of CompetencyAOD Agency Operations DivisionAOL AppOnlineAOR Agent Of RecordAOR Application Owning Region In a CICSPlex configuration, a CICS region devoted to running applications.AOR Area Of Responsibility Refers to Allstate Protection Technology's new organizational alignment as an Area of Responsibility (AOR)

within the Protection Business. Generally speaking, each AOR represents a distinct segment or stream of work.

AP Accounts Payable The debts shown on a buyer's balance sheet when goods or services are purchased on open account. Usually a current liability

AP Allstate PartnershipAP&C Allstate Property And CasualtyAP&G Architecture Process & GovernanceAPA Annual Performance AssessmentAPA Average Per AgentAPAC AHIS Premium And Claims SystemsAPAD Allstate Promotion And DistributionAPAR Authorized Program Analysis ReportAPATS Allstate Protection Analytical Technology ServicesAPAY Annuity Payout

Acronym Term DefinitionAPB Annual Performance BonusAPCC Allstate Policy And Compliance CurriculumAPCC Allstate Print Communications Center Formerly PDCAPCOE Accounts Payable Center Of ExpertiseAPECS Abandoned Property Escheatment And Compliance System

APEX Abandoned Property Escheatment A collection system of abandoned monies for the State governments.APF Advanced Printer FunctionAPI Application Programming Interface A set of rules and functions written by a software developer to facilitate interaction between the developer's

application and other programs.APIS Academy Of Producer Insurance StudiesAPK Allstate Product KnowledgeAPL A Programming Language Language used by many end users to help derive information from various databases.APL Agent Promise LineAPL All Purpose LoadAPL Automatic Premium LoanAPLC Allstate Personal Liability CoverageAPLP Allstate Parts & Labor PlusAPM Accounting Procedures ManualAPM Agency Performance ManagementAPOFS Application Out For SignatureAPOFSA Application Out For Signature Of Parent/GuardianAPOFSI Application Out For Signature Of InsuredAPOFSIG Application Out For Signature Of OwnerAPOFSO Application Out For Signature Of AgentAPOFSP Application Out For Signature Of PayerAPP Application The signed request to an insurance company for life insurance coverage on a Proposed Insured. The

application contains questions regarding the acceptability of the risk. If a medical examination is required, the application will also contain statements made to the examining physician regarding the Proposed Insured's health. A copy of the application is usually attached to the policy.

APPC Advanced Program-To-Program CommunicationsAPPL Applicant A person who applies for insurance on the life of another. There is always an Applicant - parent of

grandparent when the Proposed Insured is under age 15. Business partners are often Applicants for insurance on each other's lives. A corporation may also be an Applicant on a key employee.

APPL Application The signed request to an insurance company for life insurance coverage on a Proposed Insured. The application contains questions regarding the acceptability of the risk. If a medical examination is required, the application will also contain statements made to the examining physician regarding the Proposed Insured's health. A copy of the application is usually attached to the policy.

APPL Application ProgramAPPLID Application IdentifierAPPS American Para Professional ServicesAPRS Automated Password Reset SystemAPS Allstate Profit SharingAPS Attending Physicians StatementAPS Auto Prospecting And Selling

Acronym Term DefinitionAPS Automated Payment SystemAPT Allstate Protection TechnologyAPTF Allstate Program Transmittal Facility On line facility used to transmit programs, maps, JCL, bind jobs, tapes, etc. to the field.APY Annual Percentage YieldAQT Advanced Quoting ToolAR Access RegisterAR Accident Report Claims - A form which may be required by the state, insurance companies or other applicable parties

containing the details of an accident.AR Agency ReferralAR Assigned Risk A state operated insurance plan whereby individuals who do not qualify for voluntary PPA are placed with an

insurance carrier. The carrier assumes fill financial responsibility for all premiums (rates are preset), losses and expenses of AR business.

AR&PC Allstate Research & Planning CenterARB Application Review Board A TSS Project Coordination process component that interacts with the TSS Project Implementation Team to

facilitate project objectives and provides direction regarding the technical and operational attributes of a project.

ARB ArbitrationARC Automatice Referral CodeARC Automotive Reinstatement ClauseARCS Allstate Rate Comparison System A mechanized database that contains auto and homeowner rates for Allstate and major competitors. It

enables Allstate rates (current and proposed) to be compared with those of competitors.ARCS Allstate Records Center SystemARCS Automatic Rating Comparison SystemARES Allstate Reinsurance SystemARG Architecture Review Group Architecture Review Group reviews architecture issues and recommendations within Claims Technology

Services.ARG Auto Response GuideARI Assigned Risk InsuranceARM Award & Recognition ManagementARMS Automated Risk Management StrategyARNTD Award & Recognition Management Tool DatabaseARP Address Resolution Protocol Protocol within TCP/IP that is used for routing data packets in a distributed network.ARP Application Recovery PlansARP Associate In Research And PlanningARPC Allstate Remittance ProcessingARPC Allstate Research And Planning CenterARR Agent Reconciliation ReportART Annual Renewable TermAS Accounting ServicesAS Actual Start Date Actual Start Date is the point in time that work actually started on an activity.AS Administrative SupportAS Agency SupportAS Application ServerAS/400 Application System/400 (IBM Minicomputer Model)ASA Agent Solicitation Audit

Acronym Term DefinitionASA Associate In The Society Of ActuariesASC Abstract Syntax CheckerASC Agency Support CenterASC Allstate Service CenterASCII American Standard Code For Information Interchange A standard developed by the American National Standards Institute (ANSI) to define how computers write and

read characters.ASD Agency Support DepartmentASD Agency Support DesktopASD Axiom Solve DeskASE ALERT System EngineerASE Allstate Strategy Enablement Wave 1 is the first planned release of ASE, scheduled for mid-2001. The 90 Day Effort is the first step of the

ASE.ASE Application Service ElementASIC Allstate Service/Information CenterASIST Application Services Information Security Team This team functions as a liaison to the Allstate Information Security (AIS) organization and assists in the

propagation of and compliance to enterprise security standardsASL Agency Support LineASM Agency Support ManagerASMFO Atlantic Shared Markets Field OfficeASP Active Server PagesASP Agent Selection ProcessASP Application Service ProviderASP Auxiliary Storage PoolASPO Agency Support Project OfficeASQ Agent Selection QuestionnaireASQ Applicant Scorable QuestionnaireASR Agency Sales ReviewASR Agency Status ReviewsASR Assessment Service ReadinessASRS Agency Sales And Retention SystemAST Atlantic Standard TimeASU ALSTAR Support UnitASW Accident Surcharge WaiverASYNC AsynchronousAT Acceptance Test The function where a project or system inquiry is tested in a stand alone environment to satisfy user

acceptability. Sometimes involves regression testing and negative testing.AT Allstate TeleservicesATA Agency Technology AllowanceATBI Agency Technology Business IntegrationATDC Atlantic Data CenterATF After The Fact The purchase of a good or service from an outside vendor without first obtaining proper management

approval.ATF Attach To FileATI Automatic Transaction Initiation A term used to describe the automatic initiation of a CICS transaction by the system. This term is commonly

used in conjunction with the ALERT to ECLiPSe feedback file.

Acronym Term DefinitionATL Automatic Tape Library A Tape Silo TermATLAS Allstate's Total Life Advanced SystemATLC Allstate Texas Lloyds InceATM Agency Training ManagerATM Asynchronous Transfer Mode Local and wide area network (LAN/WAN) scheme using 53-byte fixed cell relay transport technology, running

at speed of 150Mbps and up.ATM Automated Teller Machine Used by banks to provide automated banking transactions to the public.ATO After Tax OffsetATO Allstate Technology And OperationsATP ALERT Teleprocessing A procedure whereby data is transmitted electronically via telephone lines between two locations.ATP Alternate Termination PaymentATR Airline Transport RatingATS Agency Technical SupportATS Agency Technology StrategyATS ALERT Telecommunications System System which allows communication in the form of messages between a MCO and other MCO's all Zone

Offices, Regional Offices and Home Office.ATSC Allstate Technical Support CenterATSC Allstate Technology Service CenterATSP Agent Transition Severance PlanAU Accumulation UnitAURES Allstate Underwriting Risk Evaluation System A mechanized tool used by Underwriting to aid in risk selection and quality evaluation of auto new business.

All new auto business is coded for AURES (17 factors).AUV Accumulated Unit ValueAUV Annuity Unit ValueAV2D Audio Video To The DesktopAV2D Audio/Visual To DesktopAVP Assistant Vice PresidentAVR Asset Valuation ReserveAVT Allowed Value TableAWD Allstate Workplace DivisionAWD Automated Work DistributorAWD Automated Workflow DistributorAWL Agent Welcome LetterAWS Agency Web Site The Agency Web Sites project (AWS) was highly complex. It gave Allstate agents their own unique Web

presence -one that not only provided contact information but one that also reflected their particular marketing needs.

AXS Auto Cross Sell Marketing requested that HDS Interfaces modify the Customer Care Center (CCC) pre-registration process in preparation for a marketing campaign designed to increase customer traffic to the CCC. A vendor (ChoicePoint) was providing a file that contained data used for the pre-registration process. Marketing requested that the HDS Interfaces processes be changed to obtain the data from an extract file or staging table from the IMPACT application (which was populated by data received from ChoicePoint). This would eliminate redundant data purchases from ChoicePoint and would allow the extraction of data specific to the marketing campaign.

B&CS Brand & Customer StrategiesB&T Build And Test

Acronym Term DefinitionB/D Broker Dealer Any individual or firm, other than a bank, which is in the business of buying and selling securities for itself and

others. Called an agent or broker when buying securities and a principal or dealer when selling them. Broker / dealers must register with the SEC as well as with the states in which they conduct business.

B/U/V Blood, Urine And VitalsB2B Business To BusinessBA Basic Auto One of the types of auto policies sold through Allstate agents and agencies (Line code 10).BA Business AnalystBAA Business Area AnalysisBAL Benefit Action LineBAL Business Access LayerBALUM BALanced And UNbalancedBAM Business Access Model Business Access Model is a type of data model specifically identifying the data used in a Business Objects

Universe. See also Model Type.BAN Boundary Access NodeBAP Business Applications ProcessingBAP Business Auto Policy The designation given to the most common auto policy for business by ISO.BASIC Beginners All-Purpose Symbolic Instruction CodeBAT Basic Assurance TestBAT FILE Batch FileBATS Business Aligned Technology StrategyBAU Business As UsualBAVA Business Administration And Vendor AdministrationBB Black Belt Six Sigma Black Belts (BB) are the cornerstone of a Six Sigma project. They learn the methodology and lead

Six Sigma projects by completing all project tasks and presenting Tollgate reviews to the Champion and Process Owner.

BCC Block Check CharacterBCD Binary-Coded Decimal LocationBCD Business Context DiagramBCI Business Change Implementation The purpose of the Business Change Implementation course is to develop employees' ability to apply

business change implementation principles, techniques and tools to their consulting processes, projects and job functions. This offline activity is a 2 day workshop at Home Office, and can be accessed through the LRN.

BCP Business Continuity Planning An all-encompassing term covering both disaster recovery planning and business resumption planning.

BCP Business Continuity ProcessBCS Bowl Championship SeriesBCS Broadcast ServerBD Broker Dealer Any individual or firm, other than a bank, which is in the business of buying and selling securities for itself and

others. Called an agent or broker when buying securities and a principal or dealer when selling them. Broker / dealers must register with the SEC as well as with the states in which they conduct business.

BDAM Basic Direct Access Method

Acronym Term DefinitionBDCDC Broker/Dealer Compliance and Distributor Contracting AFT will develop a user-friendly database for the Broker/Dealer Compliance and Distributor Contracting team

to add, update and monitor selling agreement data via Intranet. This new online database will be able to capture key information: firms/producers, selling agreements, products, and commissions in a consistent manner across five channels: Putnam, AIM, LBL, Allstate Agent & Banking. It will consolidate all BD/CDC data for input and reporting of broker/dealer selling agreements, banking relationships, commissions, & other misc. broker/dealer information in one centralized location.

BDE Back Dated EndorsementsBDF Business Description FileBDI Behavioral Description InterviewingBDI Business Development InterviewBDP Benefits Design And PlanningBDPA Black Data Processing AssociatesBDS Business Data StewardBDU Basic Device UnitBEA Bureau Of Economic Analysis BEA's main job is to use the raw data received from The Bureau of the Census and other sources to create

the National Income and Product Accounts. For the most part BEA does not collect its own data.

BER Basic Encoding RulesBGP Border Gateway ProtocolBGU Business Graphics UtilityBHSET Block Handler RoutinesBI Bodily InjuryBI Business Insurance The business entity of Allstate or a very general term for the type of insurance Allstate sells (versus personal

lines insurance).BI Business IntelligenceBIB Back In BusinessBIB Bodily Injury BenefitBID Business Information DeliveryBIE Business Intelligence EnvironmentBIG Business Information Group A field-tested background investigation company specializing in the screening of financial services

professionals. LBL uses this company to perform background checks for prospective agents.BII Business Impact IndexBIND Berkeley Internet Name DomainBIOD Block Input/Output DaemonBIOS Basic Input/Output SystemBITS Banking IXXX Technology SecretariatBIU Basic Information UnitBIW Business Information WarehouseBLOB Binary Large ObjectBLS Bureau of Labor Statistics The Bureau of Labor Statistics collects data on employment, earnings, and prices such as unemployment and

inflation.BLU Basic Link UnitBM Boiler And Machinery Line code 36 - A line of insurance which covers boilers and machinery. This includes large air conditioning

units, large furnaces, boilers, electrical boards and other similar heavy equipment.BMP Batch Message Processing

Acronym Term DefinitionBMS Basic Mapping SupportBN Boundary NodeBNI Boundary Node IdentifierBNN Boundary Network NodeBOA Basic Object AdapterBOAT Branch Office Agent TableBOATDEC Branch Office Agents Table DeclarationBOB Book Of BusinessBOB Business Object Broker Used for message brokeringBOID Block Input/Output Daemon.BOLI Bank Owned Life InsuranceBOM Beginning Of The Month Normally used to describe the quantity of a given statistical factor (e.g. PIF) that exist on the first day of the

month. It equals the prior month's EOMBOP Business Owner PolicyBOP Business Owners' Policy Line code 50, 55 - A policy issued to smaller business owners which covers a variety of perils.BOP Business, Outlook, PersonalBP Blood PressureBPA Business Process Automation The automation of complex business functions beyond traditional data manipulation and record keeping

activities.BPO Business Process OutsourcingBPP Business Package PolicyBPP Business Personal PropertyBPR Business Partner ReviewBPR Business Process Re-engineering A process where developers participate in a company-wide evaluation to re-engineer the business processes.

This process tends to radically change IS organization, clarify IS priorities and redefines the processes that information applications will support.

BPS Better Prospecting And SellingBPS Bits Per SecondBR Business RecoveryBR Business RepresentativeBR Business ResumptionBR-BASIC Basic RateBRAP Business Relationship Account Partner Establish a primary point of contact for business clients and to drive end-to-end client support and total client

satisfaction. Fully understand entity-wide and business unit operations, strategies, goals, and objectives. Ensure effective communication to TSS across boundaries.

BRI Basic Rate InterfaceBRIO BrioQueryBRM Business Relationship Management Business Relationship Management plays a key role in bringing together the business clients and Technical

Shared Services (TSS) to optimize our investment in information technology and create sustainable competitive advantages.

BRMA Brokers And Reinsurance Marketing AssociationBRMS Backup Recovery And Media ServicesBRP Best Risk ProfileBRP Builder's Risk Policy

Acronym Term DefinitionBRP Business Resumption Planning The operations piece of business continuity planning and provides procedures for recovering business

operations immediately following a disaster.BRSC Blue Ridge Support CenterBSAM Basic Sequential Access MethodBSC Bilingual Service CenterBSC Binary Synchronous CommunicationsBSM Business Service ManagementBSREL Building Structures Reimbursement Extended LimitsBST Bilingual Service TeamBT Burglary And Theft A type of crime insurance (along with Fidelity and Forgery) that business owners can obtain to cover missing

items via forced and unforced entry by a non-employee.BT Business TransitionBTAM Basic Telecommunications Access MethodBTU Basic Transmission UnitBU Bob UpdateBU Business UnitsBVP Brand Value PropositionBVT Best Evaluation ToolBYB Being Your BestC.C.S. Credit Collection Services, Inc. Vendor of choice for the collection process against Uninsured Claimants.C/C Claimant CarrierC/R Cancel/RewriteCA Certificate AuthoritiesCA Channel AttachmentCA Claim ALERTCA Client ActivityCA Client AdvocatesCA Cluster Appointments/AgreementsCA Codes AnalystCA Commercial Auto Line code 11, 15, 17, 38 - A type of auto policy sold by Allstate agents.CA Computer Associates IncCA Cost AllocationCAB Change Advisory Board A select group of people, including representatives from both a technical and business viewpoint, that exists

to approves changes and assist Change Management in the assessment and priority of changes.

CAB Commercial Account Bill The term used to describe two or more policies grouped together for billing purposes.CABG Coronary Artery Bypass GraftCAC Claim Access ControlCAC Commercial Accounting Center The field department which handles the accounting functions such as booking, cash processing ,account

reconciliation, billing, etc.CAC Credit After Closure A credit transaction (e.g., subrogation, salvage) on a claim coverage that has already been closed.CAD Coronary Artery DiseaseCADB Claim Active DatabaseCADE Component Architecture And Development Environment

Acronym Term DefinitionCAESAR Corporate Allocation And Expense System For Analysis And

ReportingCAFE Chicagoland Association For Erwin Users GroupCAFEUS Chicagoland Association For Erwin Users GroupCAM Certified Agency ManagerCAM Claim ALERT ManualCAM Claims Agency ManagerCAM Contract Approval MatrixCAMT Client Account Management TeamCAN Continue No ActionCAO Contract Administration OfficerCAP Cartridge Access Port Tape Silo TermCAP Civil Authority ProtectionCAPM Certified Associate In Project ManagementCAR Customer At RiskCARES Claims Analytical & Reporting Enablement StrategyCARN Cancellation, Affiliate Company Transfer, Renewal and Non-

RenewalA corporate initiative launched in 1997.

CARS Car Rental SystemCARS Computerized Automobile Rental SystemCAS Central Address SpaceCAS Customer Activity SummaryCASE Computer Aided Software EngineeringCASPR Computer Application System For Peer RecognitionCAT CatastropheCAT Corrective Action TeamCATS Claims Analytics Technology StrategyCB Cost BasisCBA Cost Benefit AnalysisCBA-IPI CMM Based Appraisal For Internal Process ImprovementCBIP Certified Business Intelligence ProfessionalCBIZ Claim Business Integration StrategyCBO Client Business ObjectCBOE Client Business Object ExtentCBP Check By PhoneCBR Cost Based RatingCBS Customer Billing SystemCBT Computer Based TrainingCBW Credit Balance Workstationcc Carbon CopyCC Class CodeCC Client ComponentCC Commercial Crime Line code 35 - The line of business which covers perils such as employee dishonesty, forgery, theft, burglary,

etc.CC Consumer Centric

Acronym Term DefinitionCC Contract ChangeCC Correct ClassCC Customer ClaimsCC Content ContributorCCA Citrix Certified AdministratorCCB Configuration Control Board A key to effective change control which oversees the planning and implementation of changes. Made up of a

Team Leader, Project Coordinator, Configuration Manager.CCC Certified Collateral CorporationCCC Customer Care CenterCCC Customer Contact CenterCCCS Customer Care Center SupportCCD Census County Division A statistical subdivision of a county, established and delineated cooperatively by the U.S. Census Bureau and

state, local, and tribal officials for data presentation purposes. CCDs have been established in 21 states that do not have minor civil divisions suitable for data presentation; that is, minor civil divisions have not been legally established, do not have governmental or administrative purposes, have boundaries that are ambiguous or change frequently, and/or generally are not well known to the public.

CCD Contract Change DivisionCCDB Current Carrier Database Provides agents with prior insurance information at new business)CCE Collaborative Center Of ExpertiseCCEA Citrix Certified Enterprise AdministratorCCI Customer Contact IndicatorCCIE Cisco Certified InterNetwork ExpertCCM Conversational Claim ManualCCNA Cisco Certified Network AssociateCCNA Citrix Certified InterNetwork AssociateCCNP Cisco Certified Network ProfessionalCCO Commercial Claim OfficeCCP Central Claim PaymentCCP Centralized Call ProcessingCCP Certified Computing ProfessionalCCP Commercial Claims Processing A center which exclusively handles commercial claims.CCP Communication Control ProgramCCP Correct Class ProfileCCP Customer Contact ProcessCCPI Critical Customer Payment InformationCCPR Centralized Claim ProcessingCCPR Claim Core Process RedesignCCPS Commercial Claim Processing SystemCCR Campaign Codes RepositoryCCRC Client Computing Resource CommitteeCCRS Certified Recovery SpecialistCCRS Customer Contact Response SystemCCS Conversational Claim SystemCCS II Claim Customer Service

Acronym Term DefinitionCCSA Commercial Claims Service AreaCCSO Centralized Claims Service OrganizationCCT&DI Call Center Technology And Desktop IntegrationCCU Central Control UnitCCW Channel Command WordCCW Customer Care WorkshopCD Certificate Of Deposit A savings certificate entitling the bearer to receive interest. CDs are generally issued by commercial banks; a

CD bears a maturity date and a specified interest rate, and can be issued in any denomination

CD Coldwell BankerCD Control Drive Tape Silo TermCDA Claims Draft AuthorityCDB Claims DatabaseCDB Corporate DatabaseCDB Customer DatabaseCDC Claims Data CenterCDF Channel Definition Format Microsoft's XML-based file format for the description of channel information.CDF Compressed Detail FilesCDI Customer Data IntegrationCDIRA Cash Developer Individual Retirement AccountCDMP Certified Data Management ProfessionalCDP Census Designated Place A geographic entity that serves as the statistical counterpart of an incorporated place for the purpose of

presenting census data for an area with a concentration of population, housing, and commercial structures that is identifiable by name, but is not within an incorporated place.

CDP Certified Data Processor The designation one can achieve wafter passing a national test covering a core of six topics (plus some specialties) of data processing knowledge.

CDRA Character Data Representation ArchitectureCDRM Cross Domain Resource ManagerCDROM Compact Disk Read Only MemoryCDRSC Cross-Domain ResourceCDS Cash Disbursement SystemCDS Casualty Development SummaryCDS Cell Directory ServiceCDS Central Directory ServiceCDS Control Data SetCDT Central Daylight Saving TimeCDU Customer Development UnitCE Continuing EducationCE&I Customer Experience & InnovationCEA California Earthquake AuthorityCEAA Coalitions Of Exclusive Agents AssociationCEDF CICS Execution Diagnostic FacilityCEM Claims Education ManagerCEMT CICS Execution Master Terminal CommandCEO Chief Executive Officer

Acronym Term DefinitionCES Contents Estimating SystemCES Customer And Enterprise ServicesCF Commercial Fire (Line Code 61) A line of insurance which covers not only loss by fire but other perils such as business interruptions and

builders risk.CFC Controlled Foreign CorporationCFD Client File DatabaseCFMP Clint File Match ProcessCFO Chief Financial OfficerCFQ Customer Focused QualityCFR Central File RoomCFR Certificate Of Financial ResponsibilityCFS Clean Financial StabilityCFS Client File SystemCFS Closed File SurveyCFU Commercial Field UnderwriterCGB Communication Services Global BlockCGI Common Gateway InterfaceCGR Customer Growth & RetentionCGRI Customer Growth & Retention InitiativeCGRSC Customer Growth & Retention Steering CommitteeCGS Computer Generated SolutionsChFC Chartered Financial ConsultantCI Catastrophic Illness Rider/SafekeeperCI Client InterfaceCI Configuration ItemCI Customer IndexCIA Customer Insurance AssociatesCIAB Council Of Insurance Agents & BrokersCIB Central Index BureauCIC Allstate Client Information CenterCIC Certified Insurance CounselorCIC Concurrent Image CopyCIC Customer Information CenterCIC Customer Interaction ChannelCICS Customer Information Control SystemCICSCP CICS Control ProgramCID Communication IdentifierCID Customer Information And DocumentCID Customer Information DocumentsCIDM Certified Insurance Data ManagerCIDUG Commercial Insurance Department Underwriting GuideCIECA Collision Industry eCommerce AssociationCIECA Collision Industry Electronic Commerce AssociationCIF Comparative Information Form

Acronym Term DefinitionCIF Coverage In Force The number of exposures generated by the prior month PIF (EOM). For property, it is equal to PIF (BOM). For

auto, it is equal to the number of cars carrying a specific coverage at the beginning of the month.

CIGA California Insurance Guarantee Fund The surcharge collected on most lines of insurance in California. This state mandated fund usually alters the tax rate by line each year it is in effect.

CII Configuration Item IndexCIM Claim Unit ManagerCIO Channel input And outputCIO Chief Information Officer The person in charge of an Information Systems department. Formerly called a Vice President these people

have taken on new importance as information plays a bigger role in running a business.CIP Client Insurance ProfessionalCIP Client Insurance ProfileCIP Compliance Improvement ProcessCIP Core Inclusion PartnerCIP Customer Information ProcessorCIP Customer Information ProfessionalCIPMO Client Interface Project Management OfficeCIR Competitive Index ReportsCIR Customer Insurance RepresentativesCIRT Critical Incident Response TeamCIS Commercial Information SystemCIS Customer Information SystemCISO Chief Information Security OfficerCISR Certified Insurance Services RepresentativesCLB Communication Services Local BlockCLF Chartered Leadership FellowCLI Command Line InterfaceCLIEDIS Canadian Life Insurance EDI StandardsCLIST Command LIST Series or group of TSO commands that can be executed with one command instead of being entered serially

or one at a time.CLMS Claim Legal Management SystemCLS Cross Line SalesCLTR Children's Level Term RiderCLU Chartered Life UnderwriterCLU Control Logical UnitCLUE Comprehensive Loss Underwriting ExchangeCM Cluster MeetingsCM CommunicationsCM Configuration ManagementCM Continuity ManagementCM Current MonthCMC Claim Money Control FileCMCO Commercial Market Claims OfficeCMd Configuration Management For Documents

Acronym Term DefinitionCMDB Configuration Management Database A repository of data that models the infrastructure and records the status, version, history, location, and

interrelationships of its components, or Configuration Items (CI's).CMF Customer Management FrameworkCMI Connection Manager InterfaceCMM Capability Maturity ModelCMM Claim Master MenuCMMI Capability Maturity Model Integration A description of the stages through which software organizations evolve as they define, implement, measure,

control, and improve their software processes. This model provides a guide for selecting process improvement strategies by facilitating the determination of current process capabilities and the identification of the issues most critical to software quality and process improvement.

CMO Claims Management OrganizationCMO Collateralized Mortgage ObligationCMP Configuration Management PlanCMR Claim Master RecordCMS Codes Management System The Codes Management System is an Allstate proprietary system for researching, managing and

standardizing our coded data. Through re-use of codes and code translations, CMS provides universal meaning of codes throughout Allstate.

CMS Content Management System Allstate Financial's call and service centers' knowledge system, which provides a consistent mechanism to acquire information when representatives receive a telephone inquiry or service request.

CMTA Content Management Team AdministratorCNA CNA Personal InsuranceCNI Claim Numbered InvoiceCNMNO Centralized Network ManagementCNS Common Name Space CNS is a logical data structure. It defines an Enterprise view and common structure of data as an integration

vehicle between separate application systems.CO Change Order A request for change record within the Unicenter ServicePlus Service Desk (USD) software tool.CO Control OperatorCOA Change Of AddressCobiT Control Objective For Information And Related Technology The policies, procedures, practices and organizational structures designed to provide reasonable assurance

that business objectives will be achieved and that undesired events will be prevented or detected and corrected.

COBOL Common Business Oriented Language The programming language most commonly used in Business Insurance systems. The forerunner of COBOL II.

COC Commercial Operations CenterCOCL Commodity Overview & Contact ListCOD Cash On DeliveryCOE Center For Organization EffectivenessCOE Center Of ExpertiseCOE Center Of ExpertiseCOI Cost Of InsuranceCOL Community Of LearningCOL/COF Choice of Law/Choice of ForumCOLA Cost Of Living AdjustmentCOLD Computer Output To Laser DiskCOLI Corporate-owned Life Insurance

Acronym Term DefinitionCOLL Collision CoverageCOM Component Object ModelCOM Consulting Operations ManagementCOMP Comprehensive CoverageCOMP NEG Comparative NegligenceCOMTI Component Object Model Transaction IntegratorCOO Chief Operating OfficerCOP Continuation Of Premium PaymentCOPD Chronic Obstructive Pulmonary DiseaseCOR Claim Organization RepositoryCORBA Common Object Request Broker ArchitectureCORE Monitors Claim Bank And CRA AvailabilityCOS Consulting Operations ServiceCOSE Common Open Software EnvironmentCOTS Commercial Off-The-Shelf Used to describe purchased packaged solutionsCP Choice PointCP Claim PortfolioCP Client PortfoliosCP Customized PolicyCPA-PMO Commercial/Property/ALERT-Project Management OfficeCPAT Claim Payment Analysis ToolCPC Central Processor ComplexCPC Commercial Profit CenterCPCU Chartered Property And Casualty UnderwriterCPGL Company Product Group LineCPI Common Programming InterfaceCPI Consumer Price Index The consumer price index measures the changes in the prices of goods and services bought by households.

The CPI shows relative increases or decreases in consumer purchasing power. The CPI is a fixed-weight index which means it assumes that the share of expenditures on consumer categories remains the same over time. The CPI is reported monthly for the previous month by the Bureau of Labor Statistics. Major revisions are made around every ten years to reflect changes in the share of goods and services households buy.

CPI Continuous Policies In-forceCPIC Continuous Process Improvement CenterCPL Comprehensive Personal LiabilityCPLR Comprehensive Personal Liability RateCPM Critical Path MethodCPMS Claim Performance Management SystemCPO Communication Process OwnersCPP Commercial Partnership ProgramCPR Child Protection RiderCPR Core Process RedesignCPR Customer Protection ReviewCPS Caremark Prescription ServiceCPS Casualty Process Specialist

Acronym Term DefinitionCPS Casualty Prospecting And SellingCPS Commercial Prospecting And SellingCPT Current Procedural TerminologyCPT Current Procedural Terminology (CPT) Codes document This document is used within Allstate to describe the procedure a medical provider performed for an Involved

Person in a claim. The codes are developed by the American Medical Association.CPU Central Processing UnitCPU Centralized Processing UnitCQAA Chicago Quality Assurance Association CQAA was established in 1984 to promote software quality principles and practices within Chicago-area

companies. CQAA provides a forum for information professionals to present and discuss software quality and process management within information systems, technology, and services.

CQM Certified Quality ManagerCR Change RequestCR Comparative RatingCR Corporate RelationsCR CreditCRA Certificate Revocation AuthoritiesCRA Claim Report AdministratorCRA Customer Report AdministratorCRAC Corporate Resource Allocation CommitteeCRD Central Registration Depository A computerized system in which NASD maintains the employment, qualification, and disciplinary histories of

more then 400,000 securities industry professionals who deal with the public. A CRD Number uniquely identifies a securities industry professional.

CRD Common Reference Data A common set of reference data (codes) that is used by more than one business unit. This data is standardized and centralized in order to provide governance, sourcing, distribution and maintenance. At Allstate this common set of reference data is found in the Codes Management System.

CRD Customer Requirements DocumentCRE Computer Related ExpenseCRE Computer-Related EquipmentCRF Claim Reference FileCRI Comparative Rater InitiativeCRI Customer Retention InitiativeCRL Current Relativity LevelCRM Catastrophe Risk ManagementCRM Certified Risk ManagerCRM Client Relationship ManagerCRM Customer Relationship ManagementCRMS Customer Relationship Management SystemCRO Capital RegionCRO Commercial Regional OfficeCRP Centralized Reinstatement ProcessCRP Constant Ratio PercentageCRRS Check Registry And Reconciliation SystemCRS Commercial Receivable System The application used to process most accounting functions. It handles all of the agency bill for Northbrook and

many of the billing functions for the Allstate book of business.CS Consumer Segmentation

Acronym Term DefinitionCS Cross SellCS Customer ServiceCSA Claim Severity AnalysisCSA Claims Services AreaCSAR Configuration Status Accounting Report The mechanism by which the state of controlled Configuration Items are reported.CSBS Consumer Segmentation & Brand StrategyCSC Claim Service CenterCSCF Central Site Control FacilityCSCM Claim Service Center ManagerCSD Claim Service DirectorCSF Claim Strategic FrameworkCSF Consolidated Status FacilityCSF Critical Success FactorsCSI Consumer Sentiment Index The CSI represents consumer sentiments towards the economy, their own financial condition, and their

perceptions about buying big-ticket durable goods. When large changes occur in the CSI it is a fairly accurate indication of large future changes in consumer spending. However, the levels of the index aren't very accurate indicators by themselves. The CSI is reported by The University of Michigan within ten days after the month it refers to. It is based on 500 households with 1966 equaling 100 on the index for comparison.

CSIO Centre For The Study Of Insurance Operations (Canada)CSIRT Computer Security Incident Reporting TeamCSL Combined Single LimitCSM Claim System ManualCSM Claims Service ManagerCSM Communications Storage ManagerCSM Customer Service And MaintenanceCSM Customer Service ManagerCSMC Claim Service Managers ConferenceCSMD Centralized Strategic Marketing DataCSMS Customer Satisfaction Measurement SystemCSMS Customer Service Measurement System Industry SurveyCSN Claim Strategic NetworkCSNET Computer Science NetworkCSO Claims Service OrganizationCSP Cross System ProductCSPIN Chicago Software Process Improvement Network The Chicago SPIN is a leadership forum for the free and open exchange of software process improvement

experiences and practical ideas. We promote achieving higher levels of process maturity, software quality and mutual respect. Companies, academic institutions, government organizations and individuals are invited.

CSPP Claims Standard Process PortfolioCSQA Certified Software Quality AnalystCSQE Certified Software Quality EngineerCSR Claim Service RepresentativeCSR Customer Service RepresentativeCSRM Commercial Strategic Risk Management

Acronym Term DefinitionCSRP Customer Satisfaction/Retention/Profitability ReportCSS Cascading Style Sheets A means of defining certain document elements (paragraphs, headings, fonts, colors, positioning,

backgrounds) with style rules instead of additional markup tags.CSS Claim Satisfaction SurveyCST Central Standard TimeCSTE Certified Software Test EngineerCSU Claim Service UnitCSW Channel Status Word.CT Collaborative TechnologiesCT Control TerminalCTC Claims Technology ConsultantCTI Computer Telephony IntegrationCTIP Crytographic Technology Implementation Program An enterprise-wide AIS initiative to provide crytographic services and technologies.CTR Children's Term RiderCTR Consent To RateCTS Central Technology SolutionsCTS Check Ticket StatusCTS Claim Technology ServicesCU Casualty UnitCU Control Unit Tape Silo Terminology. Controls cartridge drivesCUA Channel Unit Address In VTAMCUA Common User AccessCUCM Commercial Unit Claim ManagerCUG CMM (Capability Maturity Model) Users GroupCUI Common User InterfaceCUM Casualty Unit ManagerCUPID Customer Protocol Interface DashboardCUSIP Committee On Uniform Securities Identification Procedures

CUT Control Unit Terminal Protocol used for communications with an IBM 3174 or 3274 Control UnitCV Cost VarianceCV Coverage DataCVAT Cash Value Accumulation Test An alternative to DEFRA Guideline Premium Tests as a way to define a life insurance contract. In order to

qualify under this test the cash value may not at any time exceed the net single premium for the death benefit at that time.

CVT Communication Vector TableCW CountrywideCW Current WeekCWA Cash With ApplicationCWA Claims Closed With AmountCWA Closed With Amount A claim closed in which either a loss payment or a loss payment and expense payment has been made.

CWA Common Work AreaCWAR Cash With Application RefundCWF Claim Workflow Facility

Acronym Term DefinitionCWP Closed Without Payment A claim closed in which only an expense payment or in which no payments have been made. D/B Direct BillD/S Discounts/SurchargesDA Data Administration Data Administration refers to a group or function that organizes and documents data and its uses in an

organization. This usually includes logically modeling the data requirements for an enterprise, application or database system. This is an industry wide Data Management term.

DA Data Advisory Data Advisory is a group within Allstate that organizes and documents data and its uses, including logically modeling the data requirements for the enterprise, application or database system. In the field of information management, this is also referred to as Data Administration.

DA Direct AccessDAAC Data Architecture Administration ConsultantDAC Deferred Acquisition CostDAC Discretionary Access ControlsDAE Drop At Expiration Refers to canceling policies at the expiration date through a cancellation letter not offering to renew, such as

items dropped through LEW (Loss Early Warning). DAE Drop at Expiration Refers to canceling policies at the expiration date through a cancellation letter not offering to renew, such as

items dropped through LEW (Loss Early Warning).DAL Developmental Agency LocationDAMA Data Management AssociationDAR Domain Architecture ReviewDASD Direct Access Storage Device Direct Access Storage Device describes a computer disk drive which contains varying amounts of space and

may be accessed directly through a system catalogue.DASR Describe, Acknowledge, Specify, ReaffirmDB Data BaseDB Death BenefitDB2 Database 2 An IBM licensed program. DB2 is a full function relational database management system, that presents a data

structure as a table, consisting of a number of rows (or records) and a number of columns.

DBA Data Base Administration An organization or function that creates and maintains databases.DBA Data Base Administrator The person responsible for creating and maintaining databases using a Data Base Management System,

such as IMS, DB2, Oracle, SQL, etc.DBA Doing Business As Enterprise - usually, the name of the business, Individuals and Partnerships usually operate a business under

a business name. For example, if Susan Jacobs owns and operates Barns Galore, the DBA name would be: Susan Jacobs DBA.

DBCBP Dimensions In Business Commercial Bonus ProgramDBCS Double Byte Character SetDBCTL Database ControlDBD Database Definition Database Administrators - describes the information needed to create a database file.DBIA Detailed Business Impact AnalysisDBL Disability Benefits Liability (Line code 23) A line of insurance sold exclusively in the state of New York. Similar to WC but more of an excess coverage to

WC.DBM Database MarketingDBMS Data Base Management System System software that enables end users or application programmers to share data. DBMSs are generally also

responsible for integrity, data access control and automated rollback/restart/recovery.DBO Death Benefit Option

Acronym Term DefinitionDBO Desired Business OutcomeDBO1 Basic Death Benefit Option When the death of the insured occurs, we will pay the beneficiary the face amount minus the loan and

interest.DBO2 Deluxe Death Benefit Option When the death of the insured occurs, we will pay the beneficiary the face amount plus the cash value, minus

the loan and interest.DBRC Database Recovery ControlDBS Dried Blood SpotDBS Dried Blood Spot Blood TestDC Data CenterDC Data CollectionDC Day CareDCA Dollar Cost AverageDCB Disability Continuation Benefit.DCCTL Data Communications ControlDCE Distributed Computing Environment The DCE from OSF provides remote procedure calls, security, consistent file naming and consistent clock

times for a distributed network.DCI Direct Computer Input Unit A unit in the Regional Office that keypunches or types input directly from a source document (such as an

application) without using a coding worksheet.DCO District Claim Office ClaimsDCOM Distributed Component Object ModelDCSC Dallas Claim Service CenterDCSS Distributed Computing Strategies and Solutions Formerly called ECS Strategy.DCSS Distributed Management EnvironmentDCT Destination Control TableDCT Diversity Change TeamDD Direct DistributionDD Drop DateDDA Daily Deposit AccountDDL Data Definition Description Language Language describing the data model or schema for a user database, names and access paths for the data

and its interrelationship.DEADONSI Data, Execution, Application, Development, Operations,

Network, And Security Plus IntegrationDEC Declaration PageDED DeductibleDEDB Data Entry DatabaseDEFRA Deficit Reduction ActDEI Data Expense InitiativeDEM Distribution Effectiveness MeasurementDF Drop File Instructions given by the Examiner to insert opened mail into the appropriate file.DFD Data Flow DiagramDFI Department Of Financial InstitutionsDFM Data For Marketing The name of a vendor tool used by Marketing for campaigns.DFM Dialogue For MarketingDH Dialogue HistoryDI Disability Insurance

Acronym Term DefinitionDI Drive In The Allstate Claim Office the insured or claimant may bring his automobile to for inspection and possible

settlement. Appointments are generally scheduled through a personal lines claim office.DIRFT Do It Right The First TimeDIVVY Division ManagersDJA Declaratory Judgment ActionDL Drivers LicenseDL/I Data Language/IDLE Detailed Level EstimateDLO Desktop And Laptop OptionDM Data MartDM Database MarketingDM Demand Management Demand Management is the organization within APT that manages the project initiation process. Using

strategic methods, it uses processes to understand business needs, identify, evaluate and propose solutions, while projecting the project scope, timeframe and short-term and long-term investment.

DM Direct MailDM&PS Distribution, Marketing And Process SolutionsDMA Direct Memory Access Hardware devices attached to PCs can be designed to send their instructions to and from main memory in

one of two ways. The default is to ask the CPU to do the work. The more efficient way is to allocate one or the PC's DMA channels to send instructions directly to memory. This leaves the CPU free to do more important things.

DMEA Distribution Marketing And Enterprise ApplicationsDML Demand More LeadsDMR Direct Marketing RepDMS Desktop Management SolutionDMS Desktop Management SystemDMS Deviation Management SystemDNA Distributed InterNet ArchitectureDNC Do Not CallDNR Do Not RenewDNS Do Not SolicitDNS Domain Name System When sending email or pointing a browser to an Internet domain such as cnet.com, the domain name system

translates the names into Internet addresses (a series of numbers looking something like this: 123.123.23.2). The term refers to two things: the conventions for naming hosts and the way the names are handled across the Internet.

DO Desktop OwnersDOB Date Of BirthDOC DocumentDOC Drives Other CarDOI Department of InsuranceDOL Date Of LossDOLF Defense Of Litigated Files

Acronym Term DefinitionDOM Document Object Model A platform - and language - neutral interface that allows scripts and programs to access and update

dynamically the content, structure, and style of documents. It provides a standard set of objects for representing HTML and XML documents, a model of how these objects can be combined, and an interface for accessing and manipulating them.

DOMS Develop, Operate & Maintain SolutionsDOS Disk Operating System One of two types of operating systems. One runs on older generation mainframes, the other runs on personal

computers.DP Data Processing Computerized processing of routine business transaction such as payroll, bookkeeping, orders and

inventories. Generally DP applications are well-structured, periodic and centrally managed.DPN Distributed Payment NetworkDPN Distributive Payment NetworkDPRS Document Processing Repository SystemDPS Distributed Printing SystemDPS Document Processing SystemDR DebitDR Direct ResponseDR Disaster RecoveryDRAE Data Research And Analytics EnvironmentDRD Dividends Received DeductionDRM Data Resource ManagementDRM Direct Response MarketingDRP Dealership Referral ProgramDRP Direct Repair Program A customer service program which allows the insured to take his vehicle directly to a preferred repair shop

without first obtaining an Allstate estimate of damage.DRTV Direct Response TelevisionDS Data SolutionsDS Dialogue SummaryDSC Data Stewardship CouncilDSC Department Security CoordinatorDSC Division Security Coordinator The DSC has the responsibility for proper administration of the EDS Mainframe and UNIX security access.

Access will be granted based on the role(s) a resource performs within EDS.DSCP Data Services Command ProcessorDSI Decision Support InfrastructureDSS Decision Support System A system used to support managerial decisions, including applications emphasizing user-friendliness and ad

hoc query, reporting and analysis capabilities. Usually DSS involves the analysis of many units in a heuristic fashion. As a rule, DSS processing does not involve the update of data.

DSSN Data Set Sequence NumberDSSSL Document Style and Semantics Specification LanguageDSSUMON Display Support System Universal Monitor.DST Daylight Saving TimeDST Diversity Support TeamDTB Dynamic Transaction BackoutDTCC Depository Trust Clearing CorporationDTD Document Type Definition The rules that define the tabs that can be used in an XML file and their valid values.DTE Data Terminal Equipment

Acronym Term DefinitionDTHP Death Claim PendingDTM Data Type Model A set of UML extensions supplying numerous common data types.DTP Data Transition PlanDTPS Developer Tools And Product SupportDTPS Development Tools And Production SupportDTR Decline To RenewDTS Distributed Time ServiceDU DurationDUI Driving Under The InfluenceDUR Delete Underwriting ReferralDW Data WarehouseDWI Driving While IntoxicatedDWRIS Dean Witter Reynolds Insurance ServicesDX DiagnosisE&O Errors & Omissions Liability insurance policy that provides protection against loss incurred by a client because of some negligent

act, error, or omission by the insured. An Independent Agent may need to show proof of E & O insurance prior to being appointed within Allstate.

E-MAIL Electronic MailE/T Education/TechnologyE/T D Education/Technology DepartmentEA Enterprise AdministratorEA Enterprise ApplicationsEA Exclusive Agent Exclusive Agent is the Allstate term for a licensed insurance agent who is appointed to sell Allstate property

and casualty products exclusively.EAA Enterprise Application ArchitectureEACC Encompass Agent Call CenterEAI Enterprise Application Integration Aligned with Enterprise requirements and technology direction with full enterprise support. It should be

considered as the only choice when selecting a product or technology in it's space.EAI Enterprise Architecture IntegrationEAM Estimated Annual MileageEAP Employee Assistance Program The EAP provides telephone counseling for all types of personal difficulties, including emotional problems,

stress, family and relationship problems, alcohol/drug abuse, and difficulties at work.EARC Employee Achievement Recognition CommitteeEAS Ethnic Agency SurveyEAT Enterprise Architecture & TechnologyEBCDIC Extended Binary-Coded Decimal Interchange CodeEBI Enterprise Base ImageEBIT Enterprise Business Intelligence ToolsEBP Enterprise Buyer ProfessionalEBR Experienced Based ReasoningEBT Ethnic Business TeamEC Evaluation ConsultantECC Enterprise Command CenterECG ElectrocardiogramECHO Echocardiogram

Acronym Term DefinitionECHO Express Claim Handling OperationECI Employment Cost Index The ECI measures changes in labor costs for wages and salaries and noncash fringe benefits in nonfarm

private industries and state and local government workers at all levels of responsibilities. It is not affected by shifts between composition of employment between high and low cost industries. Thus it represents wages and salary costs of the same jobs over time.

ECL Extra Contractual LiabilityECLIPSE Environment For Commercial Line Premium SystemsECM Enterprise Campaign ManagementECM Enterprise Content ManagementECP Enterprise Customer ProfileECR Environment Change RequestECRM Enterprise Customer Relationship ManagementECRM Enterprise Customer Relationship MarketingECT Enterprise Communications TeamED External DataED&D Education Design & DeliveryEDA Enterprise Data Architecture Enterprise Data ManagementEDBM Enterprise Database ManagementEDC Employee Development CouncilEDC Extended Daily Coverage The extension of normal MCO work hours to provide claim service for insureds and claimants, as well as

necessary clerical activities for the MCO.EDF Execution Diagnostic FacilityEDGS Enterprise Document Generation ServicesEDI Electronic Data Interchange The electronic exchange of data in predefined forms that are the electronic equivalent of paper business

forms. Typically, EDI occurs between companies and is related to business transactions. Requires that two systems agree on the format of the data they send and receive.

EDI Electronic Data Interface Communication between enterprises by the direct exchange of electronic messages.EDM Education Division ManagerEDM Enterprise Data Management The management (planning, organizing, collecting, direction) of data resources for an organization. EDM has

a responsibility for defining and implementing policies and procedures (processes), staffing and reporting activities related to data resourcing. EDM has a fiduciary responsibility for corporate data assets.

EDMS Enterprise Document Management ServicesEDMS Enterprise Document Management SystemEDP Electronic Data ProcessingEDP Electronic Document PrintingEDP Employee Development PlanEDS Educational Services DepartmentEDS Electronic Data SystemEDS Enterprise Data ServicesEDT Eastern Daylight Saving TimeEDW Electronic Data Warehouse

Acronym Term DefinitionEDW Enterprise Data Warehouse Enterprise Data Warehouse is a facility for storing the information asset of the corporation which must be

managed. An Enterprise Data Warehouse provides a solid foundation of subject-oriented, integrated, historical and nonvolatile data from which to do analysis. At Allstate, the Enterprise Data Warehouse is named the Allcorp Data Warehouse.

EECO Enterprise Ethics & Compliance OfficeeEG7 Western European EDIFACT Insurance GroupEEH Enterprise Event HandlerEEO Equal Employment Opportunity Civil rights laws, judicial interpretations of the laws, and the many sets of guidelines issued by state and

federal regulatory agencies have outlawed discrimination based on race, religion, national origin, sexual orientation, age, sex and disability.

EEOC Equal Employment Opportunity CommissionEF Early Finish DateEFS Enterprise Financial SolutionsEFS Exclusive Financial Specialist Exclusive Financial Specialist is the Allstate term for an licensed insurance agent who is appointed to sell

Allstate financial products exclusively. The EFS was formerly called a ?Life Specialist?.EFT Electronic Funds Transfer Accounting - A form of EDI used by banks and financial institutions to transfer credit. A money transfer system

between banks. Also performs withdrawals on monies for Allstate policyholders.EGA Executive General AgentEGR Experience Group RatingEGR Experienced Group RatingEGTRRA Economic Growth & Tax Relief Reconciliation ActEHC Enterprise Help CenterEI Education IntegratorsEI Extended InsuranceEIA Electronic Industries AssociationEIB Exec Interface BlockEIF Enterprise Instrumentation FrameworkEIFS Enhanced Insurance Financial StabilityEIL Extended Interest LifeEIN Federal Employee Identification Number Nine digit number the IRS assigns to identify businesses tax payors, such as sole proprietors, employees,

corporations, partnerships, and other business entities.EIP Eligible Injured PartyEIP Extended Injury ProtectionEIS Enterprise Infrastructure ServicesEIS Enterprise Infrastructure StrategyEIS Executive Information System A system designed for the top executive, featuring drill-down analysis and trend analysis.EITAB Enterprise Infrastructure Technology Assurance BoardEIUL Equity Indexed Universal LifeELAP Ether Talk Link Access ProtocolELDM Enterprise Logical Data Model A normalized data model which defines and describes the data and information needs of the entire enterprise

in a non-redundant way.ELP Emerging Leader ProgramEMAIL Electronic Mail

Acronym Term DefinitionEMD Enterprise Master Data Information required to create and maintain an enterprise-wide "system of record" for core business entities, in

order to capture business transactions and measure results for these entities. Master data spans all organizational business functions.

EMIT Expense Management Information ToolEMP Early Morning Processing The activities that take place in a Claim Office prior to the actual opening time to enable the office to get a

headstart on the day's work, e.g., picking up mail, opening it, sorting, obtaining coverage, etc.EMSI Examination Management Services IncEMT Enhanced Multi-TierEMT Expense Management TeamENG Employee Network GroupENOA Extended Non-Owned AutoENOC Employers Not Owned CoverageENS Emergency Notification SystemEOB Explanation Of BenefitsEOD Exam On DemandEOM End Of Month Normally used to describe the quantity of a given statistical factor (e.g., employee count, PIF, reserve dollars)

that exists on the last day of the month. It is equal to the following month's BOM. EOPC Employee Owned Personal ComputerEOS Economies Of ScaleEP (G) Enterprise Procurement (Governance)EPAE Extended Protection Amendatory EndorsementEPC Enterprise Producer CommissionEPCF Earned Premium Compensation Factor A ration measures the relationship between "formula" earned premium (the written premium which should

become earned) and "actual" earned premium. EPCM Enterprise Performance & Capacity ManagementEPE Enterprise Procurement ExpenseEPIC Enterprise Public Internet Connection EPIC is a service, which allows you to connect to the Allstate private network from your Internet Service

Provider. EPIC takes advantage of a technology known as VPN (Virtual Private Networking). This works similarly to the ALE (Allstate LAN Extension) but allows you to use most Internet Service Providers, including ISDN, Cable Modem, and xDSL providers. EPIC has the potential to offer faster access to the Allstate network, as well as cost savings compared to previous remote access offerings. For more information about EPIC, contact your Integration Owner (IO).

EPL Electronic Promise LineEPM Enterprise Portfolio ManagementEPM Enterprise Project ManagementePMO Enterprise Program Management OfficeePMO Enterprise-Wide Program Management OfficeEPOC Enterprise Project Outline CodesEPP Employee Performance PlanEPP Enterprise Procurement Expense And Disbursement Policies

And ProceduresEPP Enterprise Procurement PolicyEPR Emergency Preparedness & ResponseEPR Emergency Preparedness And ResponseEPRO Enhanced Priority Repair Option

Acronym Term DefinitionEPS Earnings Per Share Common income (net income less preferred dividends) divided by the number of common shares

outstanding. EQQ Enhanced Quick QuoteER Employee RelationsER Endorsement ReferralER Expense ReportERC Employee Recognition CommitteeERD Enterprise Remote DesktopERD Entity Relationship Diagram A diagram representing entities, the relationships between those entities and certain properties of the

relationship, especially its cardinality and name.EREP Environmental Record Editing And Printing ProgramERISA Employee Retirement Income Security Act ERISA sets uniform minimum standards to assure that employee benefit plans are established and

maintained in a fair and financially sound manner. In addition, employers have an obligation to provide promised benefits and satisfy ERISA's requirements for managing and administering private pension and welfare plans.

ERL Employee Resolution LineERL Express Repair LinkERM Entity Relationship Model An entity relationship model is a data model. ERM's can exist at varying levels of detail: conceptual data

model, business data model or detailed business data model.ERP Enterprise Resource PlanningERRAC Enterprise Records Retention Advisory Committee Comprised of representatives from Allstate Information Security, Corporate Security, Financial Accounting,

Internal Audit, Law & Regulation and Tax. The ERRAC will review inventory based on any impact to their areas.

ERW Error Review WorkstationES Early Start DateES Environment SupportESCD Extended System Contents DirectoryESCON Enterprise Systems ConnectionESF Extended Spool Facility Printer controlESI Enterprise Server InfrastructureESM Enterprise Systems ManagementESM External Security ManagereSOSA enterprise Special Operations And Services ApplicationsESOSA Enterprise Specialty Operations And Services Applications

ESP Execution Scheduling ProcessorESRI Environmental Systems Research Institute, Incorporated GIS software vendor.ESS Enterprise Storage SolutionsEST Eastern Standard TimeESTMI Estimated Annual MilesET Enterprise TechnologyET Extended TermETA Enterprise Technology ArchitectureETA Extended Term InsuranceETAB Enterprise Technology Architecture Board

Acronym Term DefinitionETAB Enterprise Technology Assurance BoardETC Estimate To CompleteETI Evolutionary Technologies International, Incorporated Data Integration Management vendor.ETI Extended Term InsuranceETL Emergency Team LeaderETL Extraction, Transformation And LoadETM Education Technology ManagerETM Education Territorial ManagersETO Extended Terminal OptionETS Education Technology ServicesETS Enterprise Technology ServicesETSP Enterprise Technology Strategy And PlanningETT Education Technology TrainersEUO Examination Under OathEV Economic ViewEVP Employee Value PropositionEVP Executive Vice PresidentEWA Enterprise Workforce ApplicationsEWD Enterprise Workplace DivisionEWTP Enterprise Wide Travel PolicyEY Exclusively YoursF&E Furniture & EquipmentFA Fixed AnnuityFAC Field Administrative Controller A director level manager in the HO Finance department; reports to an Assistant Vice-President and is

assigned to a Territorial Vice President.FAIR Fair Access To Insurance Requirements A part of the Housing and Urban Development Act that allowed insurers to buy federal riot reinsurance in

states that had pooling plans allowing all property owners fair access to insurance.FAIR Fair Access To Insurance Requirements Plans Programs established by law that make property insurance available and affordable to risks that might

otherwise be uninsurable because of "environmental hazards." FALG Future Agency Leadership GroupFAQ Frequently Asked QuestionsFAQA Frequently Asked Questions ApproverFAQE Frequently Asked Questions EditorFARO Florida Regional OfficeFASAR Flexible Alert System Audit RequestFASAR Flexible Alert System of Archive and RetrievalFASB Financial Accounting Standards Board The primary regulatory body over accounting principles and practices. The board is a private,

nongovernmental regulatory body. It established the Generally Accepted Accounting Principles (GAAP) rules of accounting that are used nationally by accountants. The full-time members of the FASB board are drawn from public accounting, industry and accounting education.

FASS Financial Application Specialty ServicesFAST Field Action Support TeamFAX FacsimileFBB Flood Book Of BusinessFBS First Bank Systems

Acronym Term DefinitionFBS Food Bank Of SeattleFC For CauseFCB Forms Control BlockFCO Facility Claim Office A satellite claim office housing anywhere from 15 to 25 claim employees handling claim processing functions.

The FCO reports to an MCO. The FCO is generally in a rural area where a full MCO is not needed for support.

FCO Field Claim Office ClaimsFCP Field Claim PaymentFCP Field Claim PracticesFCP Field Compliance Principle Allstate position responsible for reviewing the activities of the registered representatives in the Sales

Organization (Allstate Financial) for compliance to SEC regulations.FCPL Farmer's Comprehensive Personal Liability A line of insurance issued only to farmers whereby a company protects the farmer and the resident members

of his family against legal liability for injury to the person or the property of another as the result of the insured's personal activity.

FCR Field Corporate RelationsFCRA Fair Credit Reporting ActFCRM Field Corporate Relations ManagerFCRO Field Corporate Relations OrganizationsFCRT Financial Compensation & Recognition TeamFCT File Control TableFD File Definitions.FDD Functional Design DocumentFDDI Fiber-Distributed Data InterfaceFDE Full Duplex EthernetFDMS Field DASD Management SystemFDSE Full Duplex Switched EthernetFDX Full DuplexFEMA Federal Emergency Management AgencyFEP Front End ProcessorFEPI Front-End Programming InterfaceFF Fidelity And Forgery A type of crime coverage (along with burglary and theft) which covers missing items, money, etc. from the act

of forgery or employee dishonesty.FED Future Effective DateFFE Friendly Front EndFFG Foundation For Growth The name for the Sales philosophy and organization introduced in 1985. It introduced the neighborhood Office

Agent program and the R-1500 contract. The intent was to increase Allstate's 'market reach' in the insurance market.

FFLSA Federal Fair Labor Standards ActFFT Fixed Function TerminalFIA Federal Insurance AdministrationFIA Field Installation AssistantFIC Field Inspection CenterFICA Federal Insurance Contributions Act Social Security - A federal system of old age and disability insurance that all workers must pay through taxes.

FIFO First In First Out

Acronym Term DefinitionFIM Field Implementation ManagerFIM Flood Insurance ManualFIMA Federal Insurance & Mitigation AssociationFIN Federal Identification Number A business number obtained from the Internal Revenue Service that identifies the business of federal tax

returns and documents. FIP Field Implementation ProcessFIP Field Issued PolicyFIP Financial Information ProcessingFIP Flood Insurance PerformanceFIPS Federal Information Processing Standards A National Institute of Standards and Technology program to achieve compatibility and interchangeability

among data systems.FIR Family Income RiderFIS Field Implementation SystemFIS Field Inspection Station A facility where non-drivable cars can be towed, at company expense, for inspection and estimate

preparation.FIT Federal Income TaxFIT Financial Information TechnologyFLE Field Leadership EnablementFLIE Field Leadership Integration EnablementFLM Focused Life MarketingFLMI Fellow Of The Life Management InstituteFLPI Front Line Performance ImprovementFLPMG Front Line Performance Measurement GroupFLSA Fair Labor Standards ActFMAT Fund MaturityFMLA Family Medical Leave ActFMS Field Management SeminarFNA Financial Needs AnalysisFNOL First Notice Of LossFOA Freedom of Action 2008 Customer Experience initiative that helps improve customer satisfaction scores by reducing call backs or

putting customers on hold. FOA gives Allstate representatives the authority to respond to an insured without having to hang up the phone or put the insured on hold to get a manager's approval for something straightforward, such as reimbursing a pay fee that was mistakenly applied.

FOP Focus on PerformanceFPA Flexible Premium AnnuityFPC First Party CasualtyFPCS Field Property Claim SupervisorFPDA Flexible Premium Deferred AnnuityFPE Front-Line Performance ExpertFPL Front-Line Performance LeaderFPL Frontline Performance LeaderFPMO Field Product Management OfficeFPMO Field Product Management OrganizationFPP Future Purchase PrivilegeFPR Family Plan Rider

Acronym Term DefinitionFPT Functional Product TestFRAT Financial Resources Administration Team Reports and consult on financial/business information for TSS/FSFRE Future Renewal EndorsementFRLK Free LookFRS File Retention SystemFS Field ServiceFS Financial ServicesFS Financial SpecialistFSA Fellow, Society Of ActuariesFSA Field Search ArgumentFSA Financial & Statistical ApplicationsFSA Flexible Spending AccountFSBP Financial Stability Best PracticeFSC Financial Services ConsultantFSC Forward Schedule Of ChangesFSL Field Sales LeaderFSM Field Sales ManagerFSM Financial Services Manager Reports to RFSM - responsible for recruiting, installing and motivating EFSs.FSMC Field Sales Management CompensationFSMD Field Sales Management DesktopsFSP Financial Service PlanFSR Financial Stability ReportFSS Finance Shared ServicesFSSC Financial Services Sales ConsultantsFST Foundation Skills TrainingFTA Full Time Agent Individuals who solicit insurance for Allstate on a full time basis, excluding RSRs, GAs and IAs.FTC Federal Trade CommissionFTCS Failure To Control SpeedFTE Full Time Employees The combination of exempt and non-exempt employees (excluding part time employees). When used in

analyses, all agent categories are typically excluded from full time employee counts.FTE Full-time EquivalentFTMFR Failure To Maintain Financial Resp.FTP File Transfer ProtocolFTYROW Failure To Yield Right of WayFUA Follow-up AssessmentFUM Field Unit Manager An individual responsible for directing and coordinating the activities of the continuing Unit in a Marketing

Claim Office having 100 or more employees.FUT Federal Unemployment Tax A federal system of unemployment insurance that all employers must pay through taxes.FUTA Federal Unemployment ActFVP Field Vice PresidentFX Foreign Exchange A private business line connecting an office telephone to a remote Central Office exchange. For a fee, this

service provides local service from a distant (foreign) exchange.FYC First Year CommissionsFYD Female Young DriverFYI For Your Information

Acronym Term DefinitionG-99 Over-Budget Approval When an expenditure is made which has not been previously approved in the Regional expense plan it

receives subsequent approval as an "over-budget" item. These items create variances from plan when analyzing expenses.

G-99 Request To Increase Budget When an expenditure is made which has not been previously approved in the Regional expense plan it receives subsequent approval as an "over-budget" item. These items create variances from plan when analyzing expenses.

GA Garage Liability (Line code 42) A line of insurance which covers most casualty perils associated with the auto garage business.GA General Agent an independent businessperson who represents only one insurer, is in charge of a territory, and is responsible

for hiring, training, and motivating new agentsGA Government AllotmentGAAP Generally Accepted Accounting Principles The concepts, conventions, rules and procedures that together make up accepted accounting practices for

recording and reporting financial information as a fair representation of a company's financial condition at a given time. Endorsed by the Financial Accounting Standards Board (FASB). Compare Statutory Accounting Practices. (STAT).

GAUL Golden Achiever Universal LifeGB Gigabyte 1,073,741,824 bytes. This term is used when discussing disk capabilities.GB GlenbrookGCE Glass Claim ExpressGCEC Glass Claim Express CenterGCO Georgia Claims OfficeGCP Gateway To Gateway ProtocolGDC Gross Dealer Concession A dollar amount paid to the broker/dealer when one of its registered representatives sells a productGDG Generation Dataset Group A type of dataset which allows multiple iterations of a file and keeps the most current version catalogues.

Usually used on tape datasets.GDP Gross Domestic Product Gross Domestic Product is the sum of consumption expenditures, investment, government expenditures, and

net exports. It measures the economic activity within the 50 states and the District of Columbia and provides the overall framework for analyzing and forecasting economic trends.

GDS General Data StreamGE Glass ExpressGEC Glass Express CenterGEM Global Enterprise ManagerGHN Good Hands NetworkGIC Guaranteed Investment Contracts GICs are similar to deferred annuities; a deposit is received and interest is credited to the balance for an

agreed period of time. The policyholder of a GIC is typically a manager of a pension fund or some other type of investment fund.

GID Group Identifier A value kept by UNIX to identify which user group a process or resource belongs to.GIR Guaranteed Insurability RiderGIS Geographic Information SystemGKLL Garage Keepers' Legal Liability (Line code 43) A line of insurance which covers perils unique to the auto garage business.GL General LedgerGL General LiabilityGL General Liability (Line code 41,46,49) A line of insurance which covers most casualty perils.GL Graphics Library A device independent graphics interface developed by Silicon Graphics. Extensive support for 3D objects,

including shaded images.GLAC Glenbrook Life And Annuity Company

Acronym Term DefinitionGLB Grahm-Leach-BlileyGLBA Gramm-Leach-Bliley Act Gramm-Leach-Bliley Act (GLBA) addresses financial institution privacy. It establishes a framework to protect

nonpublic personal information by financial institutionsGLDC Great Lakes Data CenterGLIC Glenbrook Life Insurance CompanyGLIC Great Lakes Innovation CenterGMT Greenwich Mean TimeGP Guest PassengerGPD Good Payer DiscountGPI Gross Policies Issued For new business, the number of policies issued. For renewal business, the number of policies for which a

renewal payment has been recorded or policy change requested.GPL Glass Promise LineGPR Group Reorganization ProgramGRO Guaranteed Re-Entry OptionGROS Gross Policies IssuedGRR Gross Renewal RatioGRWA General Release & Waiver AgreementGS Commercial Glass (Line code 47) A line of insurance which covers glass of all sorts such as store front glass, display case glass, sign lettered

glass, etc.GSAM Generalized Sequential Access MethodGSD Gateway Server DefinitionsGTE Global Testing EnvironmentGTI Global Test InitiativeGTP Global Talent PoolGUI Graphical User Interface A user interface that uses windows, icons, mice, pull-down or pop-up menus, visual clues and various

graphical elements to make a system easier to use. Defacto standard in UNIX is Motif.GW Great WesternHA Healthy AmericanHBD Home Buyers DiscountHBW Home-Based WorkerHCF Host Command FacilityHCM Human Capital ManagementHDAM Hierarchical Direct Access MethodHDI Help Desk InstituteHDLC High-level Data Link Control Popular ISO standard bit-oriented link layer protocol derived from SDLC. HDLC specifies an encapsulation

method of data on synchronous serial data links.HDS Household Data Store The Household Data Store provides a shared source of person and high-level product information across all

channels.HECO Hudson Express Claim OfficeHERO Helpful Empathetic Responsive OpportunisticHFR Have File ReturnedHH Helping HandsHH HouseholdHHRF Hawaii Hurricane Relief Fund

Acronym Term DefinitionHIGA Hawaii Insurance Guarantee Fund Describes the surcharge collected on most lines of insurance in Hawaii. This state mandated fund usually

alters the tax rate by line each year it is in effect.HIPAA Health Information Portability and Accountability Act Health Information Portability and Accountability Act (HIPAA) was enacted to develop standards and

requirements for maintenance and transmission of health information that identifies individual patients.HLDI Highway Loss Data Institute An organization of insurance companies responsible for collecting certain premium and loss data for a special

study of vehicle variables.HLE High Level EstimateHLL High Level LanguageHLLAPI High Level Language Application Programming InterfaceHLTV High Lifetime ValueHMC Hispanic Marketing CouncilHMO Health Maintenance OrganizationHMP Home Mortgage ProtectionHMT Hispanic Marketing TeamHO Home OfficeHO Homeowners PolicyHO CIRT Home Office Critical Incident Response TeamHOAR Home Office Audit RequirementsHOAS Home Office ALSTAR SupportHOBT Home Office Billing TeamHOC Home Office ComplaintHOCA Home Office Content ApproverHOCC Home Office Content ContributorHOCR Home Office Claims ReviewerHOCR Home Office Corporate RelationsHOREF Home Office Reference File has been sent for review for one of the following: Chief, another underwriter, reinsurance, Replacement

Unit, ECG.HOS Home Office ServicesHOTS Home Office Tube StationHPC High Performing CustomerHPDT High Performance Data TransferHPO High Performance OrganizationHPR High Performance RoutingHPSI HealthPlan Services, IncorporatedHR Honor RingHR Human ResourcesHR-XML Human Resources-XML ConsortiumHRB HRM (Household Relationship Management) Review Board

HRC Honor Ring ConferenceHRCC Human Resources Contact CenterHRCG Home Replacement Cost GuaranteeHRM Household Relationship Management HRM provides a single view of 'person' information, which enables the sharing of information across the

enterprise. HRM refers to the management of household information, to the centralized data store and applications supporting the HRM function, and to the organization supporting the system.

Acronym Term DefinitionHRM Human Resource ManagerHRMPC Household Relationship Management Planning And Control HRMPC positions us to respond to clients' current and future needs in a more efficient manner while also

positioning to more effectively incorporate Trans4mation processes and manage anticipated near term project activity.

HRS Human Resource SystemHRSC Human Resources Service CenterHRSS Human Resource Shared ServiceHRSS Human Resources Shared ServicesHSAM Hierarchical Sequential Access MethodHSC Host Software Component Tape Silo Term indicating software controlling an automatic tape libraryHSSP High-Speed Sequential ProcessingHST Hawaiian Standard TimeHT HeightHT Hispanic TeamHTML HyperText Markup Language A nonproprietary methodology for creating Web pages. HTML defines the page layout, fonts, graphic

elements, and hypertext links to other Web documents by embedding tags (codes) within the text.HTTP Hypertext Transfer ProtocolHUDA Housing & Urban Development ActHW HardwareHWP Hit While ParkedI/O PCB Input/Output Program Communication BlockIA Independent Agent An independent agent is a licensed insurance agent who is appointed to sell the products of multiple,

competing insurance companiesIA Involved AssetIAA (IBM's) Insurance Application ArchitectureIACT Independent Agency Channel TechnologyIACT Independent Agent Channel TechnologyIAD Independent Agency DesktopIAE Indianapolis Auto ExpressIAEDW Independent Agent Encompass Data WarehouseIAEDW Independent Agent Enterprise Data WarehouseIAI Insurance Activity IndexIAIABC International Association Of Industrial Accident Board &

CommissionsIAIDQ International Association For Information And Data Quality

IAM Independent Agency ManagerIAM Independent Agency MarketsIARCC Independent Agents Regional Commercial CenterIASHOT Independent Agent System Home Office TeamIAU Initial Action Unit A unit consisting of T.C.H. and C.S.R.'s whose function is to originate claim information (accident report) and

to perform subsequent activity towards the settlement of a claim.IAUM Initial Action Unit Manager The manager of the Initial Action Unit.

Acronym Term DefinitionIAUS Initial Action Unit Supervisor Supervises the Initial Action Unit which comprises the Claim Service Representative and Telephone Claim

Handler units. Responsibilities may also include supervising Adjusters and one or more Claim Service Unit Supervisors.

IB Index Bureau An organization that collects information and statistics on Bodily Injury and Theft Claims and develops reports for the subscribing member insurance companies for their use and benefit.

IBD Independent Broker DistributionIBHS Institute For Business & Home SafetyIBI Information Builder's IncorporatedIBM International Business MachinesIBM CD IBM Certified DeveloperIBM CDA IBM Certified Developer AssociateIBM CEB IBM Certified For E-BusinessIBM CI IBM Certified InstructorIBM CS IBM Certified SpecialistIBM CSSE IBM Certified Solutions/Systems ExpertIBNR Incurred But Not Reported A term to describe claims and reserves that have happened but have not been reported to Allstate.IBNR Incurred But Not Reported International; Claims - a term to describe claims that have happened but have not been reported to Allstate.

IBS Ivantage Billing SystemICC Interstate Commerce Commission Interstate Commerce Commission (ICC) federal agency that regulates commerce across state lines. The ICC

does not oversee insurance, which is subject to regulation by the states according to Public Law 15, McCarran-Ferguson Act. However, insurance companies must comply with many federal laws and regulations.

ICCP Institute For The Certification Of Computing Professionals

ICH Initial Claim HandlingICL Indicated Change In LossICMP Internet Control Message ProtocolICP Ink Cartridge Program.ICR Inter Company ReconciliationICS Internal Communications StrategyICSS Internal Claim Satisfaction SurveyICSS Internal Customer Satisfaction SurveyICT Internet Channel TechnologyID Identification The act of recognizing the set of characteristics by which a thing is distinctly known.ID Infrastructure DeploymentIDA Inter/Intranet Distributed ApplicationIDA Interface Design Application Interface Design Application is what the acronym Ida stands for. It comes from a project completed in 1997 in

which a prototype of the user interface of the future Agency Desktop was built as a communication vehicle for the Sales team.

IDB Industrial Development BoardIDC Insurance Department ComplaintIDCM Identification Call ManagementIDCM Integrated Data Center Management The name of a tracking system which is used when a problem is discovered.IDDS Infrastructure Development & Database Services Of which Microsoft Center of Expertise is a division.

Acronym Term DefinitionIDH Integration Data HubIDLW International Date Line WestIDM Integrated Disability ManagementIDMA Insurance Data Management Association IDMA is an independent nonprofit professional association dedicated to increasing the level of

professionalism in insurance data management.IDMP Integrated Disability Management ProgramIDMU Integrated Disability Management UnitIDOR Illinois Department Of RevenueIDP Infrastructure Deployment ProcessIDP Infrastructure Design And PlanningIDV Insured Driver VersionIDW Infrastructure Development WorkflowIE Insurance EndorsementsIED Interactive External DataIEEE Institute Of Electrical And Electronics EngineersIEM Information Engineering Methodology The methodology developed by James Martin Associates implementing information engineering principles.

Views definition of data as the first major task to insure commonality across systems. It views system design as a triad of data, activity and the interaction between them. It starts with a high level abstract statement of goals and needs and redefines these into levels of increasing detail.

IETF Internet Engineering Task Force An organization of working groups that identifies problems and proposes technical solutions for the Internet. They publish XML-related RFCs (Requests for Comments) and specifications.

IF In ForceIFPS Individual Financial Planning ServiceIFR Instrument Flight RatingIFS Insurance Financial Stability After being converted to InterLink, all existing Deerbrook business will be run through the new IFS algorithm

and assigned an IFS score similar to all new business. The IFS algorithm is a continuous scoring model, with scores ranging from 0 up to 999. The scores will be grouped into nine groups. The IFS score group assigned to a policy will be one of four underwriting criteria that determine the Policy Rating Tier for the policy. The Policy Rating Tier will have an applicable rating factor associated with it, which will be used to calculate the policy premium.

IFX Interactive Financial eXchange ForumII Insurable InterestIIA Insurance Institute Of America Insurance trade association that has extensive course offerings for people who want to pursue an insurance

education.IIAA Independent Insurance Agents Of AmericaIIAA Independent Insurance AssociationIIABA Independent Insurance Agents & Brokers Of AmericaIIABW Independent Insurance Agents & Brokers Of WAIIAO Independent Insurance Agents Of OregonIIB Injury Index Bureau Claims - An organization that collects information and statistics on bodily injuries then uses that information to

develop reports for subscribing member insurance companies.IIHS Insurance Institute For Highway SafetyIII Insurance Information InstituteIIR Increasing Insurance RiderIIS Internet Information Server

Acronym Term DefinitionILC Integrated Life ChannelILDM Integrated Logical Data ModelILIT Irrevocable Life Insurance TrustILM Integrated Lead Management A software application which has been enhanced and incorporated into the Agency IMPACT system.ILR Internet Loss ReportingIM Incident ManagementIM Information ManagementIM Inland Marine (Line code 91) A line of insurance which covers a wide range of perils such as cargo on trucks to fine arts.IM Instant MessageIMB Information Management BlueprintIMC Integrated Marketing Communications The area that supports agency marketing materials used to attract new customers and retain existing

customers.IME Independent Medical ExaminationIMG Information Management Group University As an Allstate preferred vendor for technical courseware, IMG University hosts developer and network

professional courses, online, through the LRN.IMGT Information Management Governance TeamIML Initial Microcode Load On a PU (Physical Unit) or ControllerIMMS Insurance Marketing And Management ServicesIMMS Insurance Marketing Management ServicesIMP In-Market PilotIMP Inland Marine PolicyIMP#7 In-Market Pilot #7 Formerly known as Priority Customer, Platinum, LoyaltyIMPACT Agency Information Management, Performance And Client

TechnologyIMPACT Information Management Performance And Customer

TechnologyIMPS Implementation Processing SystemIMR Insurance Medical ReporterIMR Interest Maintenance ReserveIMS Implementation Management SystemIMS Information Management System A database that uses a hierarchical design to connect related records.IMS Institute For Management StudiesIMS Integrated Marketing StrategyIMSA Insurance Marketplace Standards Association The Insurance Marketplace Standards Association. A voluntary membership organization of life insurers who

agree to follow a specific set of standards in their advertising, sales, and service for individual life insurance and annuity products

IMSIF Illinois Mine Subsidence Insurance FundINSDBDCx Insight DB2 Data CollectorINSDBPCx Insight DB2 Program CallerINSP Inspection interview report A report made by a consumer reporting agency concerning a proposed insured's lifestyle, occupation, and

economic standing. An inspection report is considered an investigating consumer report, as defined by the Fair Credit Reporting Act.

IO Input And Output

Acronym Term DefinitionIO Integration Owner Integration Owners install the software and make the LAN and printer connections for employees. You will

likely have an assigned integration owner. If you're not sure, ask your supervisor. Almost every business unit at Allstate has an integration owner (IO). There are approximately 120 to 150 total IO's across Allstate. Who do I contact about Developer Desktops? Have your local Integration Owner call the Help Desk at 667-7777. Punch 2, (client/server products).

IO Internal OrderIOM Infrastructure Operations ManagementIOS Inexperienced Operator SurchargesIP Interested Party Any party (other than the insured) such as a bank, finance company or lienholder who would want to secure

information as to the coverages, claims, etc. on an insured's policy.IP Internet ProtocolIP IntrapartitionIP Involved PartyIPAS Information Protection Application StandardsIPC Information Processing CenterIPCD Information Processing Campus DirectoryIPGO Information Protection Governance OfficerIPL Initial Program LoadIPL Internet Promise Line ApplicationIPO IMPACT Project OfficeIPP Incurred Pure Premium The average amount of incurred loss per coverage in force (PIF for property). It is also equal to gross

frequency times incurred severity.IPPGO Information Protection And Privacy Governance Officer The IPPGO's responsibilities include promoting alignment of security initiatives with business priorities and

promoting compliance with enterprise and business unit security policies and standards. IPPGO's are responsible for communicating security objectives within their area.

IPPS Information Protection Policies And Standards The overall goal of the IPPS is to protect the integrity, the availability, and the confidentiality of Allstate information. The manual documents the responsibilities of employees concerning this information. The IPPS manual also states that there are consequences if the information is not properly

IPS Information Processing SystemIPS Integrated Payment SystemIPT Insurance Premium Tax International;IPX Internet Packet ExchangeIR Immediate ResponseIRA Individual Retirement Account A retirement investing tool for employed individuals that allows an annual contribution of 100% of earned

income up to a specified maximum amount, The contribution may be deductible from income taxes, depending on the individual's income and their coverage by an employer-sponsored retirement plan.

IRA Individual Retirement Arrangement/Annuity.IRC Internal Revenue CodeIREC Information Risk Executive CouncilIRI Individual Risk IssuesIRLM Internal Resource Lock ManagerIRMS Integrated Risk Management System

Acronym Term DefinitionIRR Internal Rate Of Return The effective annual rate of return on an investment over the life of the project. The internal rage of return is

calculated by finding the discount rate at which the net present value of an investment is zero.

IRS Internal Revenue ServiceIRV Inspection Results ViewerIRW Individual Risk WorkflowIS Infrastructure ServicesIS/IT Information Services/Information TechnologyIS/IT Infrastructure Services/Information TechnologyISA Individual Service AwardISC Intersystem CommunicationISD IBM Software DistributionISDN Integrated Services Digital Network Refers to a standardized network architecture that is still undergoing definition by several international

standards organizations. ISDN services will enable integration of voice, high-speed data, image and other information transmission on a fully digital network.

ISG Information Services GroupISGP Information Security Governing Principles The Information Security Governing Principles (ISGP) provides high-level security guidance for management

and technical custodians. It is the foundation for all technical Information Security Standards. Managers and technical custodians are required to review and comply with its contents, as well as all other technical standards.

ISL Interest Sensitive LifeISO Information Services OrganizationISO Insurance Services Office A service organization which issued rates for many lines of insurance. They no longer issue premium rates as

a rating bureau but do issue standard policy forms which must be approved individually by each state.

ISO Insurance Services OrganizationISO International Organization for Standardization Enterprise - An organization of national standards bodies, established to set standards that facilitate the

exchange of goods and services and to develop cooperation in intellectual, scientific, technological and economic activity.

ISP Information Strategy Plan A stage in the Information Engineering Methodology in which high level business systems, technical and information architectures are developed.

ISP Internet Service ProviderISPF Interactive System Productivity Facility A dialog manager for interactive applications that provides control and services to allow processing of the

dialogs in different host environments.ISR Impact Summary ReportISSAS Information Security Standards For Allstate SuppliersISSPPI Information Security Standards For The Protection Of

Personal InformationISUS Information Security User Standards The Information Security User Standards (ISUS) supports the policy requirements in the IT Usage Policy by

providing detailed requirements for end users on how to protect Allstate information and information assets.

IT Information TechnologyITAM Information Technology Asset ManagementITAP Information Technology Asset PoolITD Inception To Date

Acronym Term DefinitionITD Issue To DateITEC Identify Theft Expense CoverageITIL Information Technology Infrastructure LibraryITO Indemnity Territorial OfficeITR Individual Term RiderITR Internal Throughput RateITS Integrated Technology StrategyITSC Information And Technology Services CouncilITSM Information Technology Service ManagementITV Insurance To ValueITV Insured To ValueIUA International Underwriting Association (UK)IV Involved VehicleIVANS Insurance Value Added Network SolutionsIVP Installation Verification ProcedureIVR Interactive Voice ResponseIVR Interactive Voice Response DevelopmentIWS Intelligent Work StationJ2EE Java 2 Platform: Enterprise EditionJAD Joint Application Development A term used to indicate a team of employees from different departments or units whose purpose it is to

discuss, analyze and design an application or enhancement based on the prevailing business needs of the end user.

JAS Janna Application Server Contact Management software - a leading provider of eRelationship Management (eRM) solutions for the financial services industry. Effective eRM enables enterprises to synchronize customer interactions across multiple channels, including the Internet, and to offer personalized Web 'self-service' eBusiness solutions to their customers.

JCL Job Control Language Specifies an environment in which a unit of work is to be run. Commonly used in mainframe environments (IBM).

JCT Journal Control TableJE Journal Entry An often used accounting term which means nothing more than formally moving dollars from one ledger to

another or from one policy to another.JECL Job Entry Control LanguageJES Job Entry SubsystemJES Job Entry SystemJHMP Joint Home Mortgage ProtectionJIJ Job In JeopardyJPEG Joint Photographers Expert Group A jpeg image can be compressed to 5% of its original size, making it easy to transfer electronically, though

with diminished quality relative to the uncompressed image.JSP Java Server PageJT Joint InsuredJUA Joint Underwriter's AssociationJUA Joint Underwriting Association A group of insurance companies who have banded together in places like Florida and Hawaii as a loose knit

association which is akin to a facility (as in North and South Carolina) or an assigned risk pool. This association can charge its own rate.

JUG J2EE User Group

Acronym Term DefinitionJUP Joint Underwriting PlanKB KilobyteKB Knowledge BaseKDK Key Data KeysKDS Key Distribution ServiceKEK Key Encrypting KeysKEYS Knowledge Enhances Your SuccessKG Key GenerationKM Knowledge ManagementKMR Key Manager RingKPA Key Process Area The CMM for software includes five maturity levels. Each maturity level defines the key processes necessary

to operate at that level. These processes are called Key Process Areas.KPI Key Performance Indicator A factor within a spoke that is most representative of performance.KSDS Key Sequenced Data SetKSK Key Signing KeysKYREPL Kentucky replacementKYS Know Your SecurityL&C Licensing And ContractingL/M Left MessageL300 Loss Adjuster AssignmentLA Letter ApplicationLAAS Licensed And Agency Support StaffLAE Local Agency ExtensionLAE Loss Adjustment Expense Cost incurred for claim settlement expenses, such as investigation charges, attorney's fees and court costs.

LAM Life Agency ManagerLAME Latent Asbestos Map EnvironmentLAN Local Area Network A data network located on the user's premises in which serial transmissions is used for direct data

communication between data stations.LAR Lanmark Action RequestLAR Loss Adjustment RatioLASC Life Agency Support CenterLASER Life Allstate Service Employee ResourceLASS Life Agency Seminar SupportLB AIR Level Best/Additional Insured RiderLBFS Lincoln Benefit Financial ServicesLBG Level Best GoldLBG Load Balancing GroupLBL Lincoln Benefit LifeLBLCS Lincoln Benefit Life Service CenterLBP Level Best PlatinumLBT Level Best TermLC Lapse CreditLC Line CodeLCA Life Compliance Activities

Acronym Term DefinitionLCC Line Combination Code A code used on CRS and ALERT which describes the line of insurance in greater detail.LCF Life Correction ProcessLCG Life Compliance GuideLCPRT Life Core Processing Redesign TeamLCU Library Control Unit Tape Silo Term. Mounts to side of LSM and controls robotic motionLD Leadership DevelopmentLD Long DistanceLDF Loss Development FactorsLDM Logical Data Model A Logical Data Model defines the data used by one or more business functions. A Logical Data Model

consists of a diagram depicting Entities, Attributes, their relationships and text documentation. Logical Data Models are used to define the data requirements for a business from a business perspective. The data model represents the data stored in one or more databases.

LDP Leadership Development ProcessLDP Local Data ProtectionLDRPS Living Disaster Recovery Planning SystemLE Language EnvironmentLE Loss ExpenseLE Loss ExperienceLEAP LOMA Employee Assessment ProgramLEF Law Enforcement Fee Section 9110 of the New York State Insurance Law, entitled Motor Vehicle Law Enforcement Fee, requires

every insurance company authorized to do business in this state to charge and collect an annual motor vehicle law enforcement fee from each holder of a policy issued or renewed with an effective date on or after July 1, 1992, in this state, or for delivery in this state, for motor vehicle liability insurance coverage.

LEW Loss Early Warning A mechanized underwriting program that identifies high frequency renewal customers for potential nonrenewal activity.

LF Late Finish DateLI Level IndicationLIAB Lan In A BoxLIFO Last In First OutLIG Loss Information GatheringLIMRA Life Insurance Marketing Research AssociationLIP Life Insurance ProcessingLIS Loss Information SummaryLIS Loss Information SystemLISC Local Initiatives Support Corporation LISC works through local organizations to determine the needs of a given community and allocate that money

for necessary neighborhood improvements.LIU Life Insurance UnitLIU Life Issuance UnitLLA Linklist Look AsideLLC Limited Liability Company LLC is not a partnership or a corporation. It is a distinct business entity that offers an alternative to

partnerships and corporations by combining the corporate advantages of limited liability with the partnership advantage of pass-through taxation.

LLF Line Leader ForumLLP Landlords Package

Acronym Term DefinitionLLP Limited Liability Partnership Investment which combines the tax benefits of a limited partnership with the liquidity of publicly traded

securities.LLRA Low Loss Ratio AgenciesLLRAP Low Loss Ratio Agency ProgramLMBC London Market Brokers CommitteeLMO Life Mobile OfficeLMS Loss Market Segment A regionally defined geographical area containing a group of prospective and existing policyholders. In MMIN,

a LMS is comprised of existing policyholders and defined by either ZIP Code or County boundaries. A LMS can be the subject of analysis (an Analysis Group) or used as a Control Group.

LMTC Left Message To CallLMTCB Left Message To Call BackLMU Library Management Unit Tape Silo TermLMW Leadership Management WebsiteLMW Letter Maintenance WorkbenchLNM Lan Network ManagerLOA Leave Of Absence To protect an employee's continuous service and participation in various company benefits he/she may be

placed on a person or illness leave of absence while not working for the company.LOA Life Office Association (South Africa)LOA Lines Of Authority The list of product types that an agent is allowed to sell, as specified on his/her license. Each state can

specify its own terminology for product typesLOE Letter Of ExperienceLOG System Log Mainframe System LogLOL Leadership On-LineLOMA Life Office Management AssociationLOPC Linclonshire Output Processing CenterLOPC Lincolnshire Output Processing CenterLOU Loss Of UseLP Life PartnersLP Life ProductLPA Life Producer AgreementLPC Loss Payable Clause Clause on the policy document indicating another person or lending institution has a financial interest in the

insured property.LPE Life Persistency ExceptionsLPF Life Persistency FactorLPF Life Persistency FormulaLPG Leaders & Participants GuidesLPI Life Partners InitiativeLPOA Limited Power Of AttorneyLPP Landlord Package PolicyLPP Loss Of Personal PropertyLPS Life Prospecting & SellingLRN Learning Resource NetworkLRS Loss Referral SystemLRS Loss Report System A claims system designed to provide online capabilities for the Claim field personnel.LS Late Start Date

Acronym Term DefinitionLS Life SalesLS Life Specialist Title for employees eligible to convert to EFS by 6/30/01 deadline.LS/IR Life Submit/Issue ReportLSA Leaving The Scene Of An AccidentLSD Life Specialist DirectLSHA Life Specialist Hero AwardLSM Library Storage Module Tape Silo Term consisting of the robot, cartridge drives, control units and library control unitLSMR Life Specialist Minimum RequirementsLSO Local Sales OfficeLSP Licensed Sales ProducerLST Life Specialist TrainingLTC Long Term CareLTD Long Term Disability A policy provision providing payment of a specified amount of money for a disability which prevents the

insured from pursuing his normal occupation.LTERM Logical TerminalLTV Lifetime ValueLU Logical UnitLUA Logical Unit AddressLUS Life Underwriting SystemLUS Lincoln Underwriting System Underwriting case management system that stores electronic data and provide online viewing of underwriting

notes.LUW Logical Unit Of WorkLWFRP Lifeworks Family Resource ProgramM & BDG Marketing & Brand Development GroupM&D McCormack & DodgeM&D McCormick & Dodge Accounting SystemMA/WA Medical And Wage AuthorizationMAB Multi-policy Appreciation BonusMAC Mandatory Access ControlsMAC Media Access Control LayerMAC Medium Access ControlMAC Message Authentication ControlMADS Multiple Area Data SetsMAE Mechanized Auto EstimatingMAES Multitasking Axion Execution SystemMAGNT Manual agent informationMAI Multi Access Integration This effort is a part of the new Business Model (NBM) and consists of the integration of data across 3

customer access points: client information centers, local agencies and the Internet.MAP Maintenance Analysis ProcedureMAP Minimum Annual PremiumMAPS Attending Physician Statement medical recordsMAR My Agency ResultsMARS Mechanized Account Reconciliation SystemMARS Mechanized Accounting Reconciliation System A claim application used to assist in mechanically reconciling loss drafts and checks. Interfaces with the

CCPS batch cycle.

Acronym Term DefinitionMARS Multicast Address Resolution ServerMAS Active Mainframe HostsMASMAI Multi-Access Strategy Multi-Access IntegrationMAU Multiple Access UnitMAU Multistation Access UnitMb MegabitMB Megabyte One million bytes.MBA Master Broker AgentMBA Master Brokerage AgenciesMBB Master Black Belt Master Black Belts (MBB) are the Six Sigma experts. At Allstate, the MBBs are part of the Six Sigma Center of

Excellence (COE). They coach Black Belts through their training and beyond, ensuring that quality objectives and targets are set, plans are determined, and progress is tracked.

MBC Market Business ConsultantMBI Mechanical Breakdown InsuranceMBRS Medical Bill Review SystemMC Multi-CarMC/MH Motor Club/Motor HomesMCA Metadata Control Application An interface into the Repository to support logical-to-physical mappings, physical descriptions and physical

relationships.MCBI Multi-Channel Business IntegrationMCC Marketing Control CenterMCD Manage Customer DeclarationMCD Managing Customer DialogueMCD Marketing Customer DialogMCD Minor Civil Division A type of government unit that is the primary governmental or administrative division of a county or statistically

equivalent entity in many states. MCDs are identified by a variety of terms, such as township, town (in eight states) or district.

MCD Multi-Car DiscountMCD New Billing Document Retrieval SystemMCDBA MS Certified Database AdministratorMCI Media Control InterfaceMCM Market Claim Manager The management employee with direct overall responsibility for the proper operation of a district claim office

and matters that relate to its operations within the office's assigned territory.MCO Market Claim Office An office that employs adjusters and support staff to handle claims. An MCO may be specialized to handle

specific types of claims.MCO Market Claims Office The personal lines claim office that has various and sundry interfaces with BIIS applications. Formerly, DCO.

MCO Marketing Claim Office ClaimsMCOC Market Claim Office Central The unit normally housed in the Regional Office that is charged with the responsibility for the processing of

commercial and other specialized claims. The MCOC also handles most HH, JJ, and ZZ looses and subrogation activities.

MCP MS Certified ProfessionalMCR Money Center ReportMCRM Marketing And Customer Relationship ManagementMCS Multiple Consoles Support

Acronym Term DefinitionMCSA Microsoft Certified System AdministratorMCSA MS Certified System ProfessionalMCSA MS Certified Systems AdministratorMCSD MS Certified Solutions DeveloperMCSE MS Certified Solutions DeveloperMCSE MS Certified Systems EngineerMCT Modified Data TagMD Material Damage Insurance against damage to a vehicle itself. It includes automobile comprehensive, collision, fire and theft.

Material Damage and Physical Damage are terms that are often used interchangeably.MD Minimum DistributionMDCT Millennium Date Compression ToolMDFB Market Data Feed Broker An application in Investments that manages interfaces with outside partnersMDI Market Demographic Index A demographic score calculated and available on ZIPMAS for auto, owners, renters and life lines. Each score

is a composite of several demographic factors relevant to that particular line and is designed to represent the quality of the demographic mix for determining market opportunity.

MDIB Minimum Distribution Incident Benefit Rule A special calculation required where the non-spouse beneficiary is more than 10 years younger than the IRA holder.

MDM Managing & Developing A MarketMDM Master Data Management Merge an organization's disparate records related to customers, suppliers, products and finances into one

authenticated master file. Create a common method for users to retrieve the information from within their applications. Master data management system integration is a multi-disciplinary project that typically involves business process analysis, data assessment, data cleansing, data consolidation and reconciliation, data migration, and development of a master data service layer. A "system of record" is produced to store a master copy of all corporate data. MDM includes managing the data from the source systems all the way through to the end user. See also Master Data.

MDMI Marketing Delivery Major InitiativesMDMW Managing Developing Market WorkshopMDP Mitchell Decision PointMDRT Million Dollar Round Table An award for producersMDT Management DesktopMDT Mountain Daylight Saving TimeMEA Management Expense AccountMEA Microsoft Enterprise AgreementMEC Modified Endowment ContractMED Medical Coverage Pays medical and hospital expenses, and the expense of funeral services, resulting from an automobile

accident, regardless of the liability of the insured, This is a first party coverage. For the stat of Florida, Personal Injury Protection (PIP) data is included under Medical. Also see Liability Limit.

MF Master File The total of all the Master Records being retained by the System. This includes all losses to which a claim number has been assigned that are still pending or that have been closed within the past two years.

MFD Name Master File Description Name Master File Description Name used in the Webfocus query tool. The Sales Data Mart is the only database in the MetaData Viewer accessed through Webfocus.

MFS Message Format ServiceMGA Managing General Agents

Acronym Term DefinitionMGD Marketing Growth And Development DepartmentMHS Message Handling ServiceMI Market IntelligenceMIB Management Information BaseMIB Medical Information BureauMIC Mechanized Incentive CompensationMIF Management Information FormatMIGA Minnesota Insurance Guarantee Fund describes the surcharge collected on most lines of insurance in Minnesota. This state mandated fund usually

alters the tax rate by line each year it is in effect.MIME Multipurpose Internet Mail ExtensionsMIMGR Multi-Image ManagerMIS Management Information System The collection and manipulation of data which may result in useful information described in various ways,

shapes and forms.MIS Method Of Inspection SystemMIST Minor Impact Soft TissueMMA Money Market Account A savings account that offers the competitive rate of interest (real rate) in exchange for larger than normal

deposits.MMC Mail Room CashMMC Money Management CenterMMG Modern Marketing Guidelines Risk selection criteria which assist the agent and underwriter in determining the initial acceptability of an auto

new business application. Each application is analyzed by the computer to determine if it meets the criteria..

MMGE MMG ExceptionMMIN Market Management Information NetworkMO Managerial OperationsMO Mobile Office Refers to hardware and software developed to support EFSs and high-producing Exclusive Agents in life

insurance, annuity and securities sales.MOA Marketing Operations ArchitectureMOB Managing Our BusinessMOC Market Operating CommitteeMOD Message Output DescriptorMOD Months Of DevelopmentMODEM Modulator/Demodulator Input/output device that converts the digital computer signals to analog signals for transmission along a

communication line and vice versa.MOI Method Of InspectionMOP Minister Of PropagandaMOS Method Of Settlement Any of several different ways claims can be resolved, arising from auto physical damage or property

dwellings, contents or additional living expenses. Examples in auto would be to request the customer take their car to an Allstate drive-in-location, or to a local preferred repair shop (D.R.P.), or that it be taken to a field inspection station (F.I.S.).

MOS Method of Settlement Any of several different ways claims can be resolved, arising from auto physical damage or property dwellings, contents or additional living expenses. Examples in auto would be to request the customer take their car to an Allstate drive-in-location, or to a local preferred repair shop (D.R.P.), or that it be taken to a field inspection station (F.I.S.).

MOT Moment Of Truth

Acronym Term DefinitionMOTS Moments Of TruthMOTT Moment of Truth TaskMPC My Personal ChoiceMPD Multi Policy DiscountMPE Manual Process EliminationMPEG Moving Pictures Experts GroupMPI Managing Performance ImprovementMPNT Merit PointsMR Major Responsibility A primary output/result of ones work or job. Limited to the most critical aspects of ones job for the current

review period.MR/PS Performance Standards For A Particular Major

ResponsibilitiesMRC Mortgage Relations CenterMRP Multi-Record PolicyMRP Multiple Record PolicyMRR Market Reference RangeMRR Mobile Response RepresentativeMRU Mobile Response UnitMS Management ServicesMSA Metropolitan Statistical Area A geographic entity designated by the federal Office of Management and Budget for use by federal statistical

agencies. An MSA consists of one or more counties, except in New England, where MSAs are defined in terms of county subdivisions (primarily cities and towns).

MSF Microsoft's Solution FrameworkMSF Motorcycle Safety FoundationMSM Market Sales ManagerMSM Market Subrogation ManagerMSM Market Support ManagerMSMQ Microsoft Message Queue ServerMSO Market Sales OfficeMSP Mortgage Security PlanMST Marketing Support TeamMST Mountain Standard TimeMTD Month To DateMTS Microsoft Transaction ServerMV Minor ViolationMVA Market Value AdjustmentMVA Motor Vehicle AccidentMVR Motor Vehicle RecordMVR Motor Vehicle RegistrationMVR Motor Vehicle Report A report requested from the State that provides past violations information on an operator. In some states past

accident information is provided as well.MVS Multiple Virtual StorageMVS/ESA Multiple Virtual Storage/Enterprise System ArchitectureMVS/OCCF Multiple Virtual Storage Operator Communication Control

Facility

Acronym Term DefinitionMWA Master Wholesaler AgentMWOPC Mid West Output CenterMWOPC Midwest Output Processing CenterMYD Male Young Driver A term used rating an auto policy to indicate that the principle driver is a male under 25 years of age.N/A Not AvailableN/S Non-SmokerNA Not ApplicableNAACP National Association For The Advancement Of Colored

PeopleNAD New Agents DeskNAF Not At FaultNAI New Agent InitiativesNAIA National Association Of Independent Adjusters Organized to represent the interest of Independent fire and casualty companies (i.e., companies not identified

with organizations such as National Bureau) to aid in maintaining their right to continued independence or operation.

NAIC National Association Of Insurance Commissioners An Influential group composed of the heads of all state departments of insurance. Organization of insurance regulators for the 50 states, the District of Columbia and the four U.S. territories. The NAIC provides a forum for the development of uniform policy when uniformity is appropriate. A state regulator's primary responsibility is to protect the interests of insurance consumers, and the NAIC helps regulators fulfill that obligation.

NAIER National Alliance For Insurance Education And ResearchNAII National Association Of Independent Insurers Performs trade association functions for insurance companies that file their rates independently.NAILBA National Association For Independent Life Brokerage

AgenciesNAILBA National Association Of Independent Life Brokerage

AgenciesNAIP Non-Agent Inspection ProcessNAIR Non Allstate Inspection RequestNALI National Association Of Life InsurersNALU National Association Of Life UnderwritersNAMIC National Association Of Mutual Insurance CompaniesNAMIS Northbrook Accounting Management Information SystemNAPAA National Association Of Professional Allstate AgentsNAPSLO National Association Of Surplus Line OfficesNAS Network Attached StorageNASD National Association Of Securities Dealers NASD is a self-regulatory securities industry organization responsible for the operation and regulation of the

Nasdaq stock market and over-the-counter markets. The NASD is the primary regulator of SEC rules; the SEC itself is the super regulator. The NASD enforces the SEC rules.

NASDR NASD Regulation, Inc. An independent subsidiary of the NASD that regulates the activities of broker/dealers in the over-the-counter industry and The Nasdaq Stock Market. NASDR carries out its regulatory responsibilities through education, examinations, market surveillance, registration of securities personnel, advertising and underwriting reviews, disciplinary actions that violate rules, investigation of customer complaints, and forums to resolve disputes. NASDR also regulates the sale of mutual funds, direct participation programs, and variable annuities.

NASM New Agency Support Model

Acronym Term DefinitionNATB National Automobile Theft Bureau The National Automobile Theft Bureau is an Association, sponsored and financed by insurance companies,

whose principal function is to aid in the recovery of stolen automobiles.NAUA National Automobile Underwriters AssociationNAV Net Asset ValueNAVA National Association Of Variable AnnuitiesNB New Business Applications submitted by agents or premium generated from policies which have not yet renewed for the first

time.NB NorthbrookNBA Needs Based AnalysisNBA New Business AcceloratorNBC New Business ContractNBC New Business Control The period of time when the application is reviewed, statistically processed and placed on the ALERT system.

NBCU National Bureau Of Casualty UnderwritersNBDC Northbrook Data CenterNBM New Business Model A network of strategies and support centered around growing exclusive agencies, leveraging state-of-the-art

technology, building customer-centric processes, and delivering enhanced competitive pricing for valued customer segments.

NBR New Business RatesNC National ConferenceNC No Claim A report of loss for which no contract, coverage or liability exists based on available information.NCC National Catastrophe CenterNCC National Champions ConferenceNCCI National Council On Compensation InsuranceNCE Network Center Of ExcellenceNCE Network Center Of ExpertiseNCLR National Counsel Of La RazaNCOA National Change Of AddressNCP Network Control ProgramNCRF North Carolina Recoupment Fund Describes the surcharge imposed by the state of North Carolina on all its auto business. The rate may vary by

year.NCRO North Central RegionNCSC National Claims Service CenterNCT National Catastrophe TeamNCU Not Currently Used A policy number not currently being used that appears on a terminated policy record from termination date to

the time it is eligible to be reassigned.NDE Named Driver ExclusionNDM Netview Distributive ManagementNDMR Nova Data Mapping Repository ToolNDW NOVA Data WarehouseNEA Neighbor Exclusive AgentNEO New Employee OrientationNERCC Northeast Regional Commercial CenterNERO Northeast RegionNESCO Northbrook Excess And Surplus Company

Acronym Term DefinitionNET National Event TeamNETBIOS Network Basic input/output SystemNETID Network IdentifierNEWT Net WithdrawalNF Non FaultNFD Non Fault DocumentationNFIP National Flood Insurance ProgramNFO Non-ForfeitureNFS National Financial Services LLC National Financial Services is a wholly owned subsidiary of Fidelity Investments which provides securities

execution, clearance and information management services to retail, institutional and correspondent clients. AFS LLC uses NFS as a clearing firm to hold customer funds/securities.

NFS Network File System Program developed by Sun Microsystems for mounting remote file systems on a local system so that they appear to be local.

NGA National Governors AssociationNGPI New Gross Policies Issued The total number of items for which coverage was issued for the first time during a given time period.NGSC National Glass Service CenterNHP Number Hand Printing A mode of OCR input in the form of hand-printed numeric characters recognizable by the Optical Character

Reader.NHTSA National Highway Traffic & Safety AdministrationNIA Network Impact AssessmentNIC Network Information CenterNICB National Insurance Crime BureauNIIP Notice Of Insurance Information PracticesNIST National Institute Of Science And Technology Sets standards and judges compliance. Formerly, the National Bureau of Standards.NLA Next Logical ActionNLFN Next Logical Financial NeedNLIC Northbrook Life Insurance CompanyNLN Next Logical NeedNLP Next Logical ProductNMISW Number Miles Insured Drives To School/WorkNNT Netview Netview TaskNO NotesNOA Neighborhood Office AgentNOAA National Oceanic And Atmospheric AdministrationNOBLE National Organization Of Black Law Enforcement Executives

NOC Network Operations CenterNOL Net Operating LossNOP Next Optimal ProductNOS Network Operating SystemNOVA Newly Optimized Version Of AlstarNP & C Northbrook Property & CasualtyNPF Network Print FacilityNPI No Prior Insurance A term to explain that a potential insured came to Allstate without having insurance from another company in

effect.

Acronym Term DefinitionNPM Netview Performance MonitorNPP Neighborhood Partnership ProgramNPV Net Present ValueNQA Non-Qualified AnnuityNQF Non-Qualified FundsNRA Non-Resident AlienNRC National Recognition ConferenceNRG New Road To GrowthNS Non SmokerNS Notary ServiceNSC National Service CenterNSC National Support CenterNSC Nebraska Service CenterNSCC National Securities Clearing Corporation Securities clearing organization through which brokerages, exchanges and other clearing corporations

reconcile accounts with one another.NSEC National Sales Education CenterNSF Non-Sufficient FundsNSI Northbrook Services IncorporatedNSO Neighborhood Sales OfficeNTNI Northbrook Technology Of Northern IrelandNTR Number Of Times Renewed An element of the policy record which counts the number of times a policy (or specific item) has renewed.

NVB National Video BroadcastNVP New Value PropositionNVPI New Value Proposition InitiativeNVRS Non Verifiable Record SurchargeNWP Net Written Premium The amount of premium available to be earned. It is equivalent to gross written premium minus premium

cancellations plus or minus endorsement written premium.NWR Northwest RegionNWRO Northwest Regional OfficeNWT New World TableO&SM Operations & Service Management GroupO/V Office VisitOA Office AutomationOAG Official Airline GuideOASDI Old Age Survivors Disability InsuranceOASIS Organization for Advancement of Structured Information

SystemsA consortium of companies and individuals that collects and publishes XML specifications, DTDs and schemas. By standardizing specifications, OASIS hopes to advance the open interchange of documents and structured information objects.

OASYS Office Automation SystemOBEL Optional Basic Economic LossOBQ Outside Buyer QuestionnaireOCA Outbound Contact AutomationOCC OccupationOCCF Operator Communication Control Facility

Acronym Term DefinitionOCDA Oracle Certified Database AdministratorOCE Open Catalog Extension A complete set of connection parameters used by BrioQuery to connect to a database server.OCG Officer Communication GroupOCI Optical Character Input Those certain types of input (Numeric Hand Printing or Typed Entry Data) that are accepted by the Optical

Character Reader.OCI Organizational Culture InventoryOCR Optical Character Recognition A system by which a machine can read data which has been printed in alphabetic character or numerals.

OCS Online Control SystemOCV Outbound Call VendorsODATT One Day At A TimeODBA Open Database AccessODBC Open Database ConnectivityODBS Object Data Base SystemODBS Operational Data Base SystemODBS Optical Dish Based SystemODE On-Line Data EntryODRF On-Line Documentation Request FacilityODRF Online Document Retrieval FacilityODS Operational Data Store The Operational Data Store is a physical implementation of the Enterprise Logical Data Model. The data it

contains is normalized and atomic level. It is implemented on an integrated relational database. It is the repository of information used to populate the Data Marts that support Operational Analysis and Operational Decision Support Systems. It is not intended to support interactive transaction processing. It contains current or near-current information that is very volatile. It requires the data be refreshed no less than once a day. It will not maintain any history or time-based information. Since its primary purpose is to supply data to the Operational Data Marts and it is based on a normalized logical model, it will not be made available for general use to users of the Decision Support System.

OE Operating ExpenseOE Organizational EffectivenessOEA Office Expense Allowance A quarterly adjusted reimbursement fund for a Neighborhood Office agent that is provided by Allstate for use

in payment of office operating, clerical and telephone expenses. It is based on production levels.

OEA Operating Expense AllocationOEF Operating Expense ForgivenessOEI Organizational Effectiveness InventoryOEM Original Equipment ManufacturerOF Other ForeignOFAC Office Of Foreign Assets ControlOFC Opportunities For ChangeOFC Optional Federal CharterOFD Open File DescriptorOFI Opportunity For ImprovementOICL Online Claim Check Inquiry ScreenOID Original Issue DiscountOIR Office Of Insurance Regulation

Acronym Term DefinitionOIS On-Line Information SystemOIS On-Line Inquiry System A Home Office supported database of statistical information which can be retrieved and formatted for

purposes of analyzing financial results.OJT On The Job TrainingOL-BOB Out-Of-Location Book Of BusinessOLA Operational Level AgreementOLAP On-Line Analytical Processing Using the computer to produce an analysis for management decision, usually involving trend analysis, drill

down analysis, profiling, etc.OLB Out Of Location Book Of BusinessOLBOB Online Book Of BusinessOLDS Online Log DatasetOLR On Line ReferenceOLR Online Reference SystemOLTP On-Line Transaction Processing The original description for all activities and systems associated with entering data reliably into a database.

Most frequently used with reference to relational databases, although OLTP can be used generically to describe any transaction processing environment.

OMG Object Management GroupOMS Operational Metadata StoreOO Object Oriented A generic term for programming languages that are comparative or declarative. Also a term for the concept

where elements within programs are moveable objects. Objects are internally self-reliant, having their own data and code which promotes interchange and reuse.

OP Operating PersonnelOPC Output Processing Center Primary function is the distribution of mail. There are 2 OPC's. They are located in Wheeling, IL and Irving, TX.

OpEPS Operating Earnings Per ShareOPIA Organization Of Professional Insurance AgentsOPM On-Line Performance ManagementOPP Other Personal PropertyORB Object Request BrokerORDS Operational Reporting Database StoreORI Out Of Region IndexORLFL Saliva Test/Oral FluidORV Off Road VehicleOS Operating SystemOS Operation SystemOS/VS Operating System/Virtual StorageOSA Office Service AwardOSD Open Software Description An XML-based specification designed by Microsoft and Marimba to automate software distribution. OSD uses

unique XML tabs to describe software packages.OSF Open Software Foundation A consortium of computer vendors, private companies, and universities founded to provide vendor neutral

technology.

Acronym Term DefinitionOSJ Office of Supervisory Jurisdiction Any main or branch office of an NASD member where one or more of the following take place: order

execution or market making; pubic offerings or private placements are structured; customers' funds or securities are held; new accounts are approved; customer orders are reviewed and endorsed; advertising or sales literature for use by the member's associated persons is approved; the activities of associated persons at other branch offices of the member are supervised.

OSM Operations And Service ManagementOTC Other Than Collision Refers to the auto coverages such as comprehensive, specified perils, towing, stereo and CB.OTIS On-line Technical Information System OTIS is the administration systems utilized by the Claim Department to track and facilitate payment for Allstate

Life and Allstate Life of New York claims.OTM Object Transaction MonitorOTM Orientation To ManagementOTM Outbound TelemarketingOTP Operations Transformation ProgramOTS Office Thrift SupervisionOU Output UnificationOY Original YearP&C Property And Casualty The company within the Allstate Insurance Company framework responsible for conducting all Casualty

related business and employing Allstaters in the Home Office, the ROCs and Regional Offices.

P&L Profit & LossP&PM Premium & Profitability ManagementP-CCSO Property Casualty Claim Service OrganizationP-CMM People Capability Maturity ModelP/E Price Earnings Ratio The market price per share of common stock divided by earnings per share. Firms that are expected to grow

quickly typically have higher P/E ratios than firms that are expected to grow slowly.P/U Pick UpP2A Product AcquisitionP2E Product EvaluationPA Policy AdministrationPA Preferred AutoPAAS Premium Audit Administrative ServicesPAC Payment After Closure Issuance of a draft payment of a loss or expense after the claim or coverage has been closed.PAC Political Action CommitteePAC Pre-Authorized CheckingPAL Phase Alternation LinePAL Phone Access LookupPAL Process Asset Library PAL is a website that will provide centralized access to current business process knowledge. It includes links

to process models, methodologies, policy statements, guidebooks, templates and checklists.

PAM Pre-Authorized Method (EZP, PAC) - Pre-authorized check system. Also referred to as PAM. A method of payment direction from the payer's checking account.

PAR Performance Assessment ReviewPARM Property Acquisition Risk ManagementPAS Premium Adequacy SystemPb Petabit

Acronym Term DefinitionPB PetabytePBGC Pension Benefit Guaranty CorporationPBL Product Base LayerPBX Private Branch ExchangePC Persistence ComponentPC Personal Computer Computers that are being developed with more and more power and can utilize more and more software

packages sot hat almost everything can be mechanized in some way or another.PC Prime CreditPC Priority Customer Formerly known as Platinum, LoyaltyPC Project CoordinatorPCB Pool Control BlockPCB Program Communication Block A Program Specification Block contains a PCB for each database view.PCC Print Communications CenterPCCSO Property Casualty Claim Service OrganizationPCI Pre-Claims IssuesPCI Property And Casualty Insurers Association Of AmericaPCM Port Connection ManagerPCM Property Claim Manager The PCM directs the activities of Market Claim Office personnel in order to achieve the established goals of

quality, severity and expense control, and employee development with regard to property.PCOE Packaging Center Of Expertise An Allstate team that packages the software products that are dropped on employees' workstations.PCR Personnel Change RequestPCR Program Controlled ReferralPCT Program Control TablePD Partition DescriptorPD Payroll DeductionPD Program Definitions.PD Property DamagePD Property Damage Coverage Insurance protection against a loss from legal liability resulting from damage to another person's property

caused by an insured's automobile. Also see Liability Limit.PDA Personal Digital AssistantPDA Physical Data ArchitecturePDA Product Development AgreementPDA Project Development AgreementPDB Partition Descriptor BlockPDC Printing And Distribution CenterPDC Printing Distribution CommunicationsPDD Protective Device DiscountPDF Package Definition FilePDF Personal Data FilesPDF Portable Document FormatPDI Professional Design Insurance ManagementPDM Policy Data Mart Formerly known as the NDW Central Site.PDR Personal Data RecordPDS Partitioned Data Set A library. A particular type of dataset which is partitioned into smaller pieces called members.

Acronym Term DefinitionPDS Performance Development Summary A form used in the Performance Appraisal process which documents the achievement of each Major

Responsibility as well as an overall performance rating.PDS Professional Skills DevelopmentPDS Progress Development Summary A written performance evaluation that is prepared by an employee's supervisor. The regularly scheduled

formal review of each employee.PDT Pacific Daylight Saving TimePE PeoplePE Physical ExaminationPE Preferred ElitePE Property EndorsementPEP Partitioned Emulation ProgrammingPES Property Estimating System A mechanized property loss estimating system used by the Claim Department.PF KEY Programmed Function KeyPFA Premium Fund AccountPFI Premium Factor ImpactsPFIC Passive Foreign Investment CompanyPFLDM Preferred Future Logical Data ModelPFR Personal Financial Representative Allstate term for a licensed insurance agent who is also licensed to sell securities products. This term includes

Exclusive Agents, Independent Agents, and Exclusive Financial RepresentativesPFRT Plan/Fund RetoolPFS Personal Financial ServicesPFS-BATS Personal Financial Services - Business Aligned Technology

StrategyPFVR Policy File Verification Required Appears on a Coverage Request when the policy file is MK/MN or Manual and the coverage information must

be manually pulled from the policy file.PFW Partial Fund Withdrawal Request by owner to permanently withdraw a portion of the cash value.PGCC Procurement Governance Code Of ConductPGo Procurement Governance OrganizationPGS Price Group Symbol An auto rating factor which establishes the original list-price category of each car and is used along with the

age of a vehicle to determine collision and comprehensive coverage rates.PHI Protected Health InformationPHR Professional In Human ResourcesPHS Policyholder ServicePI Primary InsuredPI Private InvestigatorPI Productivity Index Measure of productivity from QSM (makers of SLIM tool)PI Property InspectorsPIA Professional Independent AgentPIA Professional Insurance AgentsPIA Professional Insurance Agents - NationalPIA Professional Insurance Agents AssociationPIA Property Insurance Adjustment An inflationary factor applied to the dwelling value of homeowners policies at renewal to maintain the proper

insurance to replacement cost value relationship.PIB Process Information Block

Acronym Term DefinitionPIF Policies In Force Policies written and recorded on the books of the carrier which are unexpired as of a given date. The number

of active policies providing coverage to insured. For auto policies, each item insured is considered a separate PIF.

PIF Premium Income FundPIF Producer Information File Producer file in the Triton System (used by Deerbrook, Encompass will use it).PIFG Policies In Force GoalsPII Personally Identifiable InformationPII Policy Issuance InfrastructurePILR Property Insurance Loss RegisterPILR Property Insurance Loss Registry National system that tracks insurance statistics.PIN Personal Identification NumberPING Packet Internet GroperPIP Personal Injury Protection The insurance that is designed to provide compensation for injuries sustained by an automobile accident

victim, regardless of any negligence issue arising from the accident.PIP Personal Injury Protection CoveragePIP Program Initialization ParametersPIR Project Initiation RequestPIT Process Improvement TeamPIT Project Implementation Team A TSS Project Coordination process component which partners with the Business areas to coordinate all TSS

Auto and Property projects.PITR Primary Insured Term RiderPJ Policy JacketPKC Product Knowledge CoursePKI Public Key Infrastructure A network architecture with a set of technologies inter-operating according to established standards and

policies to enable the issue, use and terminate of digital certificates.PL Personal LinesPL Premises LiabilityPL Promise LinePLA Personal Lines AutoPLAN Professional Latino Allstate Network To provide a forum where employees can develop and aspire to reach their highest career potential at

Allstate.PLC Pending Life CasesPLC Personal Lines ClaimsPLP Parts & Labor PlusPLR Permissible Loss RatioPLR Personal Liability RatePLR Private Letter RulingPLSC Personal Life Service CenterPLT Program List Table.PLU Personal Lines UnderwritingPLU Personal Lines UnitPLU Primary Logical Unit (Controller)PLUS Personal Lines Underwriting SystemPM Performance ManagementPM Product Management

Acronym Term DefinitionPM Project ManagementPM Project ManagerPM-HH Porta Medic Hooper HolmsPMAoC Project Management Area of CompetencyPMAP Portfolio Management Adoption ProcessPMBOK Project Management Body Of KnowledgePMC Polaris Money ControlPMD Product Management DepartmentPMF Prime Market FundPMF Project Management FrameworkPMF Project Metrics FormPMI Performance Monitor InterfacePMI Physical Measurement IncPMI Project Management InstitutePML Probable Maximum LossPML Program Management LeadershipPMMS Property Market Management System The Underwriting scoring system for property. Sixteen factors on Homeowners business and ten factors on

renter's business are scored to determine the raw score and decile of that specific policy. The raw score is stored on the property data collection tape and both raw score and decile are displayed on the galaxy plus referral screens, visual prints and the customer information visual formats.

PMO People Maximizing OpportunitiesPMO Program Management OfficePMO Project Management Office The area level organization within APT responsible for: disseminating standard processes, practices, and

templates that are maintained in the APT-PMO; consolidating project reporting for their area; submitting required project information to the APT-PMO; providing guidance and assistance on project activities.

PMP Portfolio Management ProcessPMP Project Management PartnersPMP Project Management PlanPMP Project Management ProfessionalPMPI Project Management Process ImprovementPMR Policy Master RecordPMRE Predictive Model Research EnvironmentPMS Performance Management SystemPMSE Predictive Modeling Scoring EnvironmentPMSE Protection Marketing Scoring EnvironmentPMSI Paramedical Services Inc.PMT Portfolio Management ToolPMW Product Management WorkstationPNS Preferred Non-SmokerPNT Preferred Non-TobaccoPOC Price Of ConformancePOC Proof Of Concept

Acronym Term DefinitionPOC Proportion Of Coverage A measure of an auto coverage in force per PIF (BOM). It identifies the percentage of auto PIF which carries

a given coverage.POC Protection Operating CommitteePOD Payable On DeathPOE Protection Operational EfficiencyPOI Point Of ImpactPOM Primary Options MenuPONC Price Of Non-ConformancePORS Post Office Receipt Secured A document used when mailing cancellation notices to ensure the post office receives (for delivery) all of the

notices Allstate gives them to send. Often used to show proof of mailing as of a certain date when an insured ay challenge Allstate's refusal to pay a loss after being terminated.

POS Point Of SalePOSIS Point Of Sale Information ScoringPOSIS Point Of Sales Information System POSIS takes business data gathered on agency insurance transactions and measures critical categories.

PP Pilot PlusPP Preferred PlusPP&C Personal Property & Casualty The division of Allstate which comprises the majority of Allstate's business, that is, personal lines business.

PPA Premium Package AnalysisPPA Private Passenger Auto The most common automobile insurance policy sold by Allstate providing protection against liability and

personal loss arising from the use of a privately owned and operated automobile.PPAY Premium PaymentPPB Plus Performance BonusPPD Preferred Policy DiscountPPE Post Production EvaluationPPfA Product Profile For AnnuitiesPPGP Personal & Professional Guiding PrinciplesPPI Producer Price Index The PPI measures the wholesale price level of finished goods. Increases in this can be used to indicate

subsequent increases in the retail price level.PPI Property Protection Insurance Offered as a No Fault coverage in a few states, Property Protection Insurance varies according to law.

Generally, this coverage offers in Division I, a limited property damage liability coverage for damage to the property of others.

PPL Preferred Property LeadsPPL Product Process LeaderPPO Personal Position ObjectivePPP Performance Partnership ProgramPPRCE Personal Property Replacement Cost EstimatorPPS Property Prospecting & SellingPPSC Pension And Profit Sharing CenterPPT Processing Program TablePPV Private Passenger VehiclePQB Pre-Qualifying BusinessPQBAM Pre-Qualifying Business Activity MenuPQI Property Quality Index Identifies the profit potential of homeowners applications. The higher the PQI, the higher the risk.

Acronym Term DefinitionPQP Project Quality Plan Element of each project plan that spells out what each project will do to ensure and measure quality. Initial

PQP will lay out what VPD's and VPF's will be executed for each project, when and by whom.PQR Production Quality ReviewPQS Product Quality ServicesPR Pilot RepresentativesPR Police ReportPR Portfolio RebalancingPR Project RequestPRB Premium Review BoardPRC Premium Recovery CoordinatorsPRC Problem Resolution CenterPRCM Pre-Renewal Contract ProgramPRCOE Process Center Of ExpertisePRH Primary Residence HomeownersPRISM Project Repository And Information System For Management To establish a central platform and repository for all APT project activity, and also to provide Protection

Technology executives with summarized at-a-glance dashboard readouts on business alignment of all Protection work and related project metrics.

PRO Preferred Repair OptionPRO Priority Repair OptionPROC ProcedurePRP Preferred Risk PolicyPRT Process Refinement TeamPS Performance Standard A specific measure of success and indicator of performance for each Major Responsibility. It may measure

either results (what is done) or behaviors (how it is done), In either case, Performance Standards should be specific, measurable and observable.

PS Permanent StoragePS Property ServicesPSA Point Of Sale AuditPSA Premier Service AgenciesPSA Premier Service AgentPSA Fund Premier Service AccountPSB Program Specification Block Describes the logical view of one or more databases to an application program.PSC Policyholder Service CenterPSIS Process Solutions And Information SupportPSP Property Segmentation ProjectPSRM Property Strategic Risk ManagementPSSST Privacy Security Situation Squad TeamPST Pacific Standard TimePST Partition Specification TablePT Part TimePT Physical TherapyPTAC Pull the Action ConceptPTC Product Technology ConsultantsPTC Project Time & CostPTD Paid To Date

Acronym Term DefinitionPTD Permanent Total Disability Total disability which is presumed to be permanent in character. Frequently, total disability is presumed to be

permanent (for the purpose of beginning benefits) if it has persisted for a period of six months.

PTE Part Time EmployeePTE Pending Termination EndorsementPTF Program Temporary FixPTMO Protection Technology Management Office The PTMO is a working group consisting of representatives from business and technology AORs. These

individuals will be expected to understand project work across the organization, how these work efforts integrate, and most importantly, be empowered to make prioritization decisions about these projects.

PTO Paid Time OffPTP Promise to PayPTR Prime Term RiderPU Physical UnitPUDWL Paid-Up Deferred Whole LifePUM Property Unit Manager The manager of the Property Unit.PUP Personal Umbrella Policy Line 38, Covers excess liability above and beyond limitations on other policy lines.PUP Priority Underwriting ProgramPUPS Polaris Utility Processing SystemPUWL Paid-Up Whole LifePV Present ValuePVA Premium Variance AnalysisPVP Product Vice PresidentPWA Project Web AccessPWB Project WorkbenchPWS Property Workflow SystemPY Additional PaymentsPYA Prior Year AdjustmentQA Quality AgencyQA Quality AnalystQA Quality AssuranceQAD Quality Assurance DivisionQAE Qualified Annual EarningsQAP Quality Agency ProgramQC Qualifying CommissionsQC Quality Control The function of quality checking a project or system inquiry before transmitting the software components to the

production system. Used almost interchangeably with the term acceptance testing.

QCP Quality Control PlanQCR Quality Control RepresentativeQDRO Qualified Domestic Relations OrderQES Quality Education SystemQF Qualified FundsQIIC Queensway International IndemnityQIP Quality Improvement Process

Acronym Term DefinitionQIT Quality Improvement TeamQLAR Quarterly Loss Allocation Rewrite Project - Financial Systems efforts in replacing a quarterly allocation process with DB2. This rewrite was

initiated as a result of Year 2000 compliance issues, and might be considered an offshoot of the Orion Database and logical model.

QLMS Quality Leadership Management SurveyQLMS Quality Leadership Measurement SystemQLMS Quarterly Leadership Measurement SystemQNB Quote New Business Formerly known as MAI. Quote new business states are states in which Allstate supports online insurance

quoting. Non-QNB states are states in which Allstate does not support online insurance quoting.

QOS Quality Of ServiceQP Qualified PlansQPF Query Process FlowQSAM Queued Sequential Access MethodQTD Quarter To DateQUAL Qualified WithdrawalQV Quality VerificationQWG Quality Work GroupR/S Recorded StatementRA Reference ArchitectureRA Registration AuthorityRA Requested AgentRA Retail AgentRA Risk AssistantsRA-ETS Reference Architecture & Enterprise Technology Services

RAA Reinsurance Association Of AmericaRAAG Reference Architecture Advisory GroupRAC Resource Allocation CommitteeRACF Resource Access Control FacilityRACF Resource Access Control Facility An IBM product that is a security control measure. Mainly seen on processors in Northbrook.RACH Returned Automated Clearing HouseRACI Responsible Accountable Consulted Informed The RACI Chart maps out different accountabilities, tasks and activities between current Workforce Leaders

and immediate managers. It also identifies who needs to be informed. The RACI chart is also referenced in the BCI toolkit and is a standard project management tool.

RAD Rapid Application DevelopmentRADAR Retention And Defection After Rates Monthly reports of renewal rations for each state of interest, for lines 10 and 70 (and 19 if requested). These

reports will include renewal ratios in advance of the rate change, so that there is a baseline for comparison. Will break out by risk categories post rate-change and (to the extent possible) pre rate-change.

RALIE Rewrite Agency Life (Using) Information Engineering RALIE is the Allstate Financial Producer Compensation application that calculates compensation for agents who sell Allstate Financial products under the Allstate proprietary channel and Allstate's affiliates (other financial companies with whom Allstate has a contract). Compensation includes: production credit / premium deposit, commissions, bonus, counts, and persistency

RAM Random Access Memory

Acronym Term DefinitionRAMP Resource Allocation Management ProcessRAS Reliability, Availability And ServiceabilityRASD Regional Agency Support DepartmentRBC Royal Bank Of CanadaRBP Region Best PracticesRC Referral CodeRC Regional ControllersRC Renewable And ConvertibleRCA Region Control AreaRCA Regional Content ApproverRCC Region Commercial CentersRCC Regional Claim CenterRCC Regional Content ContributorRCC Replacement Cost On ContentsRCF Record Code FileRCP Renewal Contract ProgramRCPM Regional Content Process ManagerRCR Regional Content ReviewerRCS Renewal Contract StrategyRCT Replacement Cost ToolRCT Residential Component TechnologyRCT Resource Control TableRD Renewal DiscountsRD Risk DescriptionRDBMS Relational Database Management System Allows relationships between data items to be explicitly specified and equally accessible.RDF Resource Description Framework A model for describing and interchanging metadata. It allows a Web site to describe its dynamic (user-

created) content without having to store static pages that contain that content.RDP Rotational Development Program A program whereby an employee rotates through several departments to learn their functions. The duration of

the rotation varies by employee.RDS Retention Data SetRDT Resource Definition TableRDU Remaining Duration The time needed to complete an activityRECON Recovery Control Data SetsREX Restructured ExtensionREXX Restructured Extended ExecutorRFC Request For Change A formal document (physical or electronic form) that captures the details of a request for a change to any

component or Configuration Item, including impact (change category) and applications or other components affected.

RFC Request For Comments A document used by the IETF to describe the specifications for a recommended technology.RFE Request For EstimateRFE Response For Estimate Template that presents a consistent approach and communication method for presenting quoting information

requested by the client such as estimated costs, timelines and resources.RFG Resources For GrowthRFI Request For Information

Acronym Term DefinitionRFP Request For Proposal A written document that outlines specific information about the company, the services and products needed,

the specific requirements suppliers must meet, and proposed supplier arrangements in order to win the business.

RFQ Request For Quote Designed for prospects who are not solicited or pre-qualified.RFSM Regional Financial Services Manager Reports to President of LBL Broker/Dealer for supervisory purposes with a dotted line relationship to FVPs -

responsible for life, annuity and securities production and supervision; FSMs report to this person.

RGPI Renewal Gross Policies Issued The number of items for which coverage was renewed during a given time period.RHR Regional Human ResourcesRI Required ImprovementRIA Research Institute Of AmericaRIAM Regional Independent Agency ManagerRIC Regional Implementation CommitteeRIF Reduction In ForceRII Requires Immediate ImprovementRIM RDBMS Interface ModuleRIM Records & Information Management The systematic management of all records, regardless of media, from their creation or receipt, through their

processing, distribution, organization, storage, retrieval to their disposition, and/or retention as necessary. Information flows through the organization in the form of paper and electronic records, such as word processing documents, spreadsheets, e-mail, graphical images, voice and data transmissions, and the input to and output from midrange and mainframe applications. Information can be stored on a variety of storage media, such as paper, microfilm, microfiche, diskette, optical disk, CD-ROM, videotape, and mass disk storage and tape cartridge or reel.

RIMS Risk & Insurance Management SocietyRIPL Remote IPLRJE Remote Job EntryRLC Response Line CenterRLDS Recovery-Readiness-Level DatabaseRLR Recorded Loss RatiosRM Requirements ManagementRM Resource ManagerRM Risk ManagementRMBC Risk Management Business CenterRMC Risk Management CouncilRMCP Risk Management Change ProcessRMD Regional Marketing DirectorRMD Required Minimum DistributionRMD Risk Management DevelopmentRMD Risk Management DirectorRMDE Remote Data Entry MenuRMF Resource Management FacilityRMI Risk Management ImplementationRMP Risk Management PoliciesRMP Risk Management PolicyRMP Risk Management Profile

Acronym Term DefinitionRMS Request Management SystemRMS Risk Management SystemsRMTS Risk Management Technology ServicesRMW Risk Management WorkstationRN Reverse & Reprocess. No ConfirmRNA Risk Not AcceptableRNR Receive Not ReadyRO Regional Office Allstate has divided the United States and Canada into territories. The Regional Office is the main office that

services the Allstate policyholders within its territory.RO-A Remote Office-AgencyROC Regional Operating CenterROC Regional Operations Center Responsible for servicing the Allstate agents.ROE Return On Equity The annual percentage of a company's net income for the year divided by the average equity at the beginning

and end of the year. In other words, net income divided by beginning and end average capital. A measurement of the profitability of a company. It is expressed as a ratio and the formula is Net Income/Average Capital. (Net Income Equals Underwriting Income plus investments minus taxes. Average Capital represents beginning capital plus retained earnings.)

ROI Return On Investment Earnings divided by funds invested equals percent return on investment.ROM Read Only MemoryROM Record Of Mailing A record is made of an Allstate mailing to a customer and archived for retrieval through the Record Center.

ROP Rapid Output ProcessingRORS Regional Office Rotation ScheduleRPC Remote Procedure CallsRPE Remote Policy EntryRPIF Renewal Policies In Force Policy items for which coverage was previously issued and are being extended for another policy period.

RPMS Reinsurance Portfolio Management SystemRPP Recreational Package PolicyRPR Relative Performance ReviewRPU Reduced Paid-Up InsuranceRQAM Manual Entry Cash TransactionsRR Referral ResourcesRR Registered Representative Individual who is licensed to sell securities and has the legal power of an agent, having passed a Series 6 or 7

examination. Usually works for a brokerage licensed by the SEC, NYSE, and NASD. When Allstate Agents (PFR's) sell securities they are not acting as insurance agents, they are acting as RR's. Only individuals or broker/dealers can be Registered Representatives. When an RR sells a VA or VUL policy it is considered a trade. When an insurance agent sells the same product offering, it is considered a 'submission of an application'.

RR Reverse And ReprocessRRM Regional Risk ManagementRRM Regional Risk ManagerRS Retention StrategyRSC Regional Service CenterRSCS Remote Spooling Communications Subsystem

Acronym Term DefinitionRSN ReasonRSS Regional Senior StaffRSW Rapid Solution WorkshopRTA Real Time AdherenceRTB Run The BusinessRTC Reason To CallRTC Reason To ContactRTD Received To DateRTM Response Time MonitorRTP Rapid Transport ProtocolRTS Request To SendRU Request UnitRUM Regional Underwriting ManagerRUP Rational Unified Process Use is only allowed for evaluation purposes, for a specified area and/or users within the specified time frame.

RV Recreational VehicleRVP Regional Vice President The individual to whom the Controller, Human Resource Manager, Underwriting Manager and TAMs within

the Regional Office report and who in turn reports to the TVP.RVW RiverwalkRWCM Remote Workstation Control MenuRWVT Remote Workstation Vin TableRX PrescriptionS/S Signed StatementS/W Spoke WithS017 Subro Files Returned to MCOSA Same As ApplicantSA Server ActivitySAA Simplified Agency AccessSAC Sterling Auto Body CenterSAI Service Action ItemSAI Suntrust Annuities IncorporatedSAN Storage Area NetworkSAP Seed Account ProcessSAP System Application Products The financial system implemented at Allstate in 1998 to get rid of multiple legacy accounting/financial

systems.SAP Systems Applications And Products The financial system implemented at Allstate in 1998 to get rid of multiple legacy accounting/financial

systems.SAR Summary Annual ReportSAR Sysout Archival And RetrievalSAR System Activity ReportSAR System Archival Retrieval An online facility utilized via TSO on the mainframe where reports, lists, deallocations, etc. can be viewed

online up to 15 days after they are created.SAS Standard AURES ScoreSAS Standardized Analysis System

Acronym Term DefinitionSAS Standardized AURES Score The average Standardized Aures Score for a Driver or the Total Book. This Analysis Factor is only used in the

new Business Quality Spoke.SAS Statistical Analysis System A computer language from SAS Institute out of North Carolina that processes data, generates reports and

probably most importantly, performs statistical analysis of that data.SAX Simple API for XMLSB Surety Bond (Line code 34) A line of business which covers such things as performance bonds, etc.SBA Small Business Administration A government agency that provides financial and management assistance and other services to small

business concerns.SBI Server-Based ImageSBP South Barrington PlazaSBSC Sunbelt Support CenterSC Server ComponentSC Subrogation ConsultantSCA Staff Claim AssociatesSCAR Surrender Charge Adjustment RiderSCB Session Control BlockSCCPR Subrogation Claim Core Process RedesignSCD System Contents DirectorySCE Sales Center Of ExpertiseSCF Screen Definition FacilitySCIC Society Of Certified Insurance CounselorsSCIP Senior Customer Insurance ProfessionalsSCIT Staff Customer Impact TeamsSCLM Software Configuration And Library ManagerSCM Software Configuration Management Establish and maintain the integrity of the products of the software project throughout the project's software

life cycle.SCNA Sun Certified Network AdministratorSCPR Sales Core Process RedesignSCR Senior Claims RepresentationSCS Sayers Computer SourceSCSA Sun Certified System AdministratorSCT System Change TransmittalSD Sales DirectorSDA Strategy Development AdministrationSDD Service Development And DeliverySDLC Software Development Life Cycle A standard software life cycle that describes activities, roles and responsibilities relating to the following

phases - planning, requirements definition, design, coding, testing, deployment, and ongoing maintenance and enhancement.

SDLC Synchronous Data Link ControlSDLC System Development Life Cycle

Acronym Term DefinitionSDM Static Data Management Enterprise Data Management; Claims. SDM also refers to SDM tables which are used to store codes and

values that change infrequently (if at all) for purposes of providing lookups, dropdown window selection lists, and basically take the place of "hard-coded" tables within application code. These tables are typically stand-alone having no direct relationships (foreign keys) to other table structures, although the data within these tables can be sourced from combination of related source code tables elsewhere (i.e. State and Region).

SDM Service Delivery ManagementSDP Software Development ProcessSDP Strategic Development ProcessSDSF System Display And Search Facility An IBM utility used to obtain real-time information about jobs and resources in an MVS/JES2 system. Also

called Spool Display and Search Facility.SDSP Service Desk Support Professional The Service Desk Support Professional serves as a liaison between the ATSC and other Allstate and contract

professionals. The group coordinates and administers the ATSC's engagement in new projects and initiatives.

SE Software EngineeringSE-CMM Systems Engineering Capability Maturity ModelSEC Securities And Exchange Commission SEC is a U.S. regulatory agency commissioned by Congress to regulate certain securities-trading activities

and to prescribe financial reporting standards for larger corporations.SEDT Sales Education Delivery TeamSEHS Seattle Emergency Housing ServicesSEI Software Engineering InstituteSEII Securities Education Institute, Inc Provider of software used to manage compliance to licensing and continuing Education requirements for

broker/dealers and their registered representatives. SEII maintains a database of licensing and continuing education data for AFS LLC registered representatives.

SEO Search Engine OptimizationSEP Sales Education ProcessSEP Simplified Education SystemSEP Simplified Employee Pension IRASEPG Software Engineering Process GroupSEPP Simplified Employee Pension PlanSEPP Substantially Equal Periodic PaymentsSEQA Software Engineer Quality Advocate A full-time role at the Area level that is responsible for gathering micro level measurements and reporting the

data to the department measurement coordinator on a monthly basis, coordinating area level audit follow-ups, ensuring compliance with standards and assisting in all process improvements and implementations.

SERO Southeast RegionSF Scheduled Finish Date The point in time that work was scheduled to finish on an activity. The SF is normally in the range of dates

delimited by the early finish date and the late finish date. It may reflect leveling of scarce resources.

SFP Special Form PolicySFP Standard Flood PolicySFS Steps For SuccessSFS Structured File ServerSGA Southern Governors AssociationSGA Super General Agent

Acronym Term DefinitionSGLI Servicemen's Group Life InsuranceSGML Standard Generalized Mark-up LanguageSHV Shareholder ValueSI Strategic InitiativesSIB Symbol & Identifications BulletinSIM Special Investigation ManagerSIN Social Insurance Number (Canada)SIO Seattle Indemnity OfficeSIS Strategy & Innovation ServicesSIT State Income TaxSIT System Initialization TableSITO Seattle Indemnity Territory OfficeSIU Special Investigation UnitSIU Special Investigative UnitSL Surety LifeSLA Secure Level AgreementSLA Service Level Agreement Agreement between a customer and a client depicting agreed upon services.SLB Special Leadership BroadcastSLBS Sales Leadership Business SystemSLDS System Log Data SetSLIC Sales Leadership Incentive CompensationSLIM Software Lifecycle Management The software project-planning tool for Windows. An estimating model based on data from over 6000 projects,

it is used to estimate the time, effort and costs required to satisfy a given set of software requirements and determine the best strategy for designing and implementing your software project.

SLIQ Streamlined Integrated QuotingSLM Service Level ManagementSLOC Source Lines Of Code A software metric used to measure the amount of code in a software program.SLR Service Level ReporterSLT Senior Leadership TeamSLU Secondary Logical UnitSLV Special Leadership VideoSM/ART Subrogation Mechanized Allstate Reusable TechnologySMART Sales Management Analysis & Report ToolSMART Sales Management Analysis And Reporting Tool A component of the Enterprise Data Warehouse developed to provide decision support capability and real-

time access to sales information.SMART Specific, Measurable, Achievable, Relevant And TimelySMC Strategic Management CommitteeSMCOE Service Management Center Of ExcellenceSMD Sales Management DevelopmentSME Subject Matter Expert A person considered an expert in a certain area.SMECOE Systems Management-Engineering Center of ExcellenceSMF System Management FacilitySMFOP Sales Management Focus on PerformanceSMFT State Mandated Fraud Training

Acronym Term DefinitionSMIC Sales Management Incentive Compensation (Growth Through Effective Management) - The name for the incentive compensation (bonus) system available

to AMs, TEMs, and TAMs in Sales.SMIL Synchronized Multimedia Integration Language A language designed to integrate multimedia objects into a synchronized presentation.SMIT System Management Interface ToolSMMO Sales Management Mobile OfficeSMMW Sales Manager Mobile WorkshopSMOI Strategic Method Of InspectionSMP Special Multi-Peril (Line code 45) A line of business no longer in effect as it has been replaced by the BPP. This was a more primitive version of

the BPP and was last issued in Mississippi and North Carolina.SMP System Modification ProgramSMP/E System Modification Program/Extended.SMR Sales Management RedesignSMS Short Message ServiceSMS Skills Management SystemSMS Storage Management SubsystemSMS Storage Management SystemSMS Systems Management ServerSMS-R Skills Management System-RewriteSMSR Skill Management System RewriteSMSTASK System Managed Storage TaskSMT Senior Management TeamSMTP Simple Mail Transfer ProtocolSNA Systems Network ArchitectureSNBU Switched Network BackupSNDM Sears Network Data Manager A Sears program offering which facilitates the exchange of data between host computers.SNMP Simple Network Management ProtocolSNUG Social Networking User GroupSOA Service Oriented ArchitectureSOAP Simple Object Access ProtocolSOC Sphere Of ControlSOD Specialty Operations DatamartSOD Specialty Operations DivisionSOI Statement Of IncomeSOI Subjects Of InsuranceSOJT Structured On-The- Job TrainingSOOF Sales Organization Of The FutureSOPC Southwest Output Processing CenterSOPP Subro OpportunitySOS Short On StorageSOT Strategic Operations TeamSOW Statement Of WorkSOX Sarbanes-Oxley ActSP Siver PlumeSP Strategy & PlanningSPCP Systems Performance & Capacity Planning

Acronym Term DefinitionSPD Summary Plan DescriptionSPDA Single Premium Deferred AnnuitySPF Structured Programming FacilitySPHR Senior Professional In Human ResourcesSPI Software Process ImprovementSPIA Single Premium Immediate AnnuitySPL Single Premium LifeSPL Specialty Product Lines Specialty Product Lines (SPL) is a department within Product Operations responsible for all personal lines of

insurance other than automobile and homeowners. Lines of insurance within SPL include Boatowners, Condominiums, Flood, Landlords Package Policy, Manufactured Home, Motorcycles, Motorhomes, Personal Umbrella Policy, Recreational Vehicle, Renters, Residential Fire, and Scheduled Personal Property.

SPOC Single Point Of ContactSPOE Single Point Of EntrySPOM Single Point Of MonitoringSPP Scheduled Personal Property A rider available on homeowners policies which provides coverage to specified, appraised personal property

such as jewelry, artwork, or other items not covered or only partially covered under the regular homeowners policy.

SPP Software Project Planning Establish reasonable plans for performing software engineering and for managing the software project.SPTO Software Project Tracking And Oversight Provide adequate visibility into actual progress so that management can take effective actions when the

software project's performance deviates significantly from the software plans.SPUFI SQL Processor Using File InputSPVL Single Premium Variable LifeSQA Software Quality Assurance Provide management with appropriate visibility into the process being used by the project and of the system

being built.SQA COE Software Quality Assurance Center Of Excellence Responsible for stewardship of SQA processes, and the function of performing independent verification of

defined processes on projects.SQC Software Quality ControlSQC COE Software Quality Control Center Of ExcellenceSQL Structured Query Language A very popular and universal language used for relational database access, updating, etc.SQS Software Quality SolutionsSR Southern RegionSRA Seattle Region AgentsSRLIS Seattle Region Life Issuance UnitSRM Software Requirements Management Establish a common understanding between the customer and the software project team of the customer's

requirements that will be addressed by the software project.SRM Strategic Risk ManagementSRO Seattle Regional OfficeSRO Self Regulatory Agency Nongovernment organizations that have statutory responsibility to regulate their own members such as the

NYSE, AMEX, and NASD.SRRTF Special Records Retention Task Force Individuals with a solid background in information - both paper and electronic - owned by, or in the custody of,

their Business Unit or Shared Service, and a solid background in the information systems used to house that electronic information.

Acronym Term DefinitionSS Scheduled Start Date The point in time that work was scheduled to start on an activity. The SS is normally in the range of dates

delimited by the early start date and the late start date. It may reflect leveling of scarce resources.

SS Standard SmokerSS Support StaffSSA Segment Search ArgumentsSSC Sunbelt Service CenterSSCE Shared Services & Centers Of ExpertiseSSCM Subro Service Center ManagerSSL Secure Sockets LayerSSM Software Subcontract Management Select qualified software subcontractors and manage them effectively. A subcontractor, as defined in the

CMM, is an external agent responsible for developing and managing one or more well-defined software products.

SSM Subrogation Service ManagerSSN Social Security Number (US)SSO Simplified Sign-OnSSP Sales & Service Processing Connected to the ALSTAR system, provides for enhanced customer service.SSP System Support ProgramsST StudentSTARS Small Towns And Rural Strategy This project addresses the market that lies between rural markets and cities. It has designed a property

product for this market.STAT Statutory Accounting Practices Insurance companies must file annual financial statements with state insurance departments in accordance

with state regulatory accounting practices. STAT is a standardized accounting format for use by insurance companies that was developed by the National Association of Insurance Commissioners (NAIC). STAT differs from Generally Accepted Accounting Principles (GAAP) and generally provides a more conservative picture of an insurance company's financial condition.

STATEMAN System State ManagerSTCTBL Started Task TableSTD Short Term DisabilitySTEPS Software Test Environment And Process SolutionsSTEPS Software Testing Environment Process SolutionsSTS Sales Technology SupportSTS Share-Point Team ServicesSUBHA Southern Utah Home Builders AssociationSUBM Coverage SubmissionSUM Subrogation Unit ManagerSURR Full SurrenderSUSM Suspend With A Request To The MCOSUSP Suspend Without A Request To The MCOSUTA State Unemployment Tax ActSV Schedule Variance Any difference between the scheduled completion of an activity and the actual completion of that activity.

SVC Switched Virtual ChannelSW SoftwareSW Systematic Withdrawals

Acronym Term DefinitionSWD Seattle Works DaySWD Systematic WithdrawalSWDC South West Data CenterSWIB Southwest Index BureauSWITO Southwest Indemnity Territorial OfficeSWOPC South West Output Processing CenterSWOPC Southwest Output CenterSWRO Southwest Regional OfficeSYSDEF System DefinitionSYSGEN System GenerationT/L Total LossT10 Premium Alert Tape Master FileT101 Terminal TableT9A Old Billing Document Retrieval SystemTA Technology ArchitectTAC The American CollegeTACACS Terminal Access Controller Access Control SystemTACF Tivoli Access Control FacilityTACF Transmission Of Alstar Code And FilesTAF Terminal Access FacilityTaG Target and GrowTAG Technical Architecture GroupTAM Territorial Agency ManagerTAMP Training Activity Measurement ProcessTAMRA Tax And Miscellaneous Revenue ActTAMRA Technical And Miscellaneous Revenue Act Type TAMRA classifies life insurance policies for which the premiums paid exceed the modified endowment

premium limitation and are subject to special rules.TAP Talent Acceleration ProgramTAP Terminated Agent ProductionTAP Truckers Auto Policy A type of auto policy as designated by ISO for use mainly by long haul trucking firms.TAS Technology Acquisition ServicesTAS Technology Asset ServicesTAT Temporary Agent Transfer fast track process for setting up an existing experienced registered rep who signs an agreement to sell

Allstate securities product.TBD To Be DeterminedTBOP Texas Business Owners Policy A line of insurance issued only in Texas. Basically, this is the Texas version of the BOP.TC Target Completion Date An imposed date that constrains or otherwise modifies the network analysisTCA Task Control AreaTCAM Telecommunications Access MethodTCAS Telecommunications Access ServiceTCAS Terminal Control Address SpaceTCB Task Control BlockTCG Ticket Content GuideTCH Telephone Claim Handling Adjuster

Acronym Term DefinitionTCI Transmittal Component Inventory TCI is used to group files or records together as an application or sub-application in a file storage system.

TCM Territorial Claim ManagerTCO Total Cost Of OwnershipTCP Transmission Control Protocol/Internet ProtocolTCP/IP Telecommunications Protocol/Internet ProtocolTCPP Texas Comprehensive Package Policy A policy which covers a variety of perils and is issued only in Texas. Basically, this is the Texas version of the

BPP policy.TCT Terminal Control TableTCU Transmission Control UnitTD Test DirectorTD Transaction DefinitionsTDAN The Data Administration NewsletterTDD Transient Data DefinitionsTDM Technology Division ManagerTDM Time-Division MultiplexingTDOC Trailing DocumentTDPP Teradata Director Program ProductionTDQC Test Director Quality CenterTDU Topology Database UpdateTDWI The Data Warehousing InstituteTDY Temporary Duty (Y is taken from the Y in Duty. DY is an abbreviation for Duty in the military.)TE Team ExcellenceTEFRA Tax Equity Fiscal Responsibility ActTEM Territorial Education ManagerTF Target Finish Date The date that work is planned (targeted) to finish on an activity.TGP Technology Guiding Principle A policy statement that describes the position the corporation will take when creating or buying technology.

TGPs guide the selection of IT strategies, help in selecting acceptable solutions, and ensure linkage from the business to information technology. These policy statements are not rules that are applied individually, but represent long-term direction when used as a whole. An example of a technology guiding principle is, We will design applications to allow business logic to be widely reused across distribution channels.

THM Town Hall MeetingsTI Technical IntegrationTIA Technology Impact AssessmentTIA Temporary Insurance AgreementTIB Theft Insurance BureauTIC Territory Internal Control ManagerTIC Token-ring Interface CouplerTIDE Triennial Independent Director EvaluationTIM Technical Integration ManagerTIN Tax Identification NumberTIN Taxpayer Identification Number Generic term for: SSN - Social Security Number (US), EIN - Employer Identification Number (US), or SIN -

Social Insurance Number (Canada). For non-employee agencies Allstate stores one TIN for the business.

Acronym Term DefinitionTIOA Terminal Input/Output AreaTIP Test in Production testing July ReleaseTIQM Total Information Quality ManagementTIR Terminal Illness RiderTL Team LeaderTL&Y The Law & YouTLO Top Line OverviewTM Territorial ManagerTM Territory ManagerTM Transaction ManagerTMA Talent Management ArchitectureTMC Tape Management CatalogTMC Traffic Management Center The Traffic Management Center creates staffing models, coordinates PTO requests, manages daily call flow,

and monitors call queues/volumes. The TMC manages front-end and on-hold messages to communicate system issues to clients.

TMM Tape Mount ManagedTMO Technology Management OfficeTMP Texas Multi-Peril A line of business issued only in Texas. This was the Texas version of the BPP prior to September of 1987.

TMS Tape Management SystemTMS Transport Manager SubsystemTMU Traffic Management UnitTNG The Next GenerationTOC Table Of ContentsTOL Theory of LiabilityTOMS Telecommunications Order Management SystemsTOR Terminal Owning RegionTP Training Program The set of related elements that focus on addressing an organization's training needs. It includes an

organization's training plan, training materials, development of training, conduct of training, training facilities, evaluation of training, and maintenance of training records.

TP Transaction ProcessingTP Transaction ProgramTP Transactions by PhoneTPA Third Party AdministratorsTPC Third Party CarrierTPC Total Policy GrowthTPM Technology Process ManagementTPM Third Party MarketerTPP Terminated Payment ProvisionTQIBOT Transaction Queuing Integrity.TR Texas RegionTR Transactions For CoverageTRA Tax Reform ActTRF Travel Request FormTRIA Terrorism Risk Insurance Act

Acronym Term DefinitionTRIAD Technology Readiness Initiative For Allstate DevelopersTRO Texas Regional OfficeTRS Technology Research ServicesTS Target Start Date The date that work is planned (targeted) to start on an activity.TS Time StampTSA Tax Sheltered AnnuityTSA Transportation Security AdministrationTSF Total Satisfaction FactorTSM Territorial Sales ManagerTSM Territory Sales ManagerTSO Territorial Sales OfficeTSO Time Sharing OptionTSP Test Strategy And PlanningTSS Technical Shared ServicesTSS Top Secret SecurityTSSA Technical Shared Service AgencyTSSFS Technical Shared Services/Field SupportTTA Technology Transition AmountTTE Toxic Tort ExclusionsTTR Trustee TransferTUM Territorial Underwriting ManagerTUNDC Trans Union National Disclosure CenterTVAAT Teleview At Atlantic Data CenterTVAGL Teleview At Great LakesTVAGL Teleview At Great Lakes Data CenterTVASW Teleview At South West Data CenterTVC Times Vital CapacityTVP Territory Vice PresidentTX TX Data/Cost BasisU/ACR United/Audit And Central ReportingUA Underwriter ApprovalUA Universal Application Various Tenfold technologies/tools are used within the InterLink application. Allstate will incorporate TenFold's

Universal Application (UA) platform into our Solutions Center. TenFold's Universal Application platform is a new paradigm for building complex applications for large organizations in a much more expedient manner than previously possible.

UA Unrepresented AccountsUAC User Activation CodeUART Universal Asynchronous Receiver/TransmitterUATT Universal Application Technology TeamUBF Unified Break FixUCAP Underwriting Claim Audit ProgramUCE Unsolicited Commercial EmailUCF Utility Control FacilityUCM Unit Claims ManagerUCP Universal Claim Processing

Acronym Term DefinitionUCPA Unfair Claim Practice ActUCT Universal Code TablesUD Update DistributionUD User DefinitionsUDDI Universal Description Discovery And IntegrationUDP User Datagram ProtocolUEL Umbrella Excess Liability (Line code 53) A line of insurance which provides liability coverage above and beyond the base amount provided by an auto

and general liability policy.UFS Unacceptable Financial StabilityUGMA Uniform Gift To Minor ActUI User InterfaceUIC Unique Identification CodeUIC User ID CodeUID User NumberUIM Un-Insured MotoristUIM Underinsured MotoristUL Universal LifeULCS Universal Life Cross SellULOG Mainframe User Session LogULP Universal Life PremiereUM Under Insured MotoristUM Uninsured MotoristUMBI Un-Insured/Under-Insured Bodily InjuryUML Unified Modeling LanguageUMO United Missouri BankUMPD Un-Insured/Under-Insured Property DamageUNAI Update Name And Address InformationUNC Universal Naming ConventionUNCEFACT United Nations Center For Trade Facilitation And Electronic

BusinessUNI User-To-Network InterfaceUOP University Of Phoenix OnlineUPC Underwriter Post-CenterUPH Underwriting Profit HistoryUPM User Profile ManagementUPO University Of Phoenix OnlineUPP Unscheduled Personal PropertyUPS UN-Interruptible Power SupplyUPS Underwriting Process SystemUQA Uniform Qualified AgreementUR Underwriter ReferralUR Underwriting RiskURI Uniform Resource Identifier The addressing technology by which URLKs (Uniform Resource Locators) are created. Technically, http:// and

ftp:// are specific subsets of a URI.

Acronym Term DefinitionURL Uniform Resource Locator A complete description of an item, containing the location of the item that you want to retrieve within the

Intranet / Internet. The following example is the URL that takes users to the SMART home page: http:\\001-howeb15-s/ibi_htm/sales/160_1.htm.

URL Universal Reference LocatorURS Universal Rating SystemUSA PA USA Patriot Act Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct

Terrorism - OFAC-/USA Patriot Act requires us to implement quality checks within our processes to prevent potential money laundering and ensure we are NOT doing business with 'Specially Designated Nationals and Blocked Persons'

USB United States BankUSB Universal Serial BusUSB US BankUSD Unicenter ServicePlus Service DeskUSPS United States Postal ServiceUT Universal TermUT Universal TimeUTC Coordinated Universal TimeUTC Universal Time CoordinatedUTI Unable To IssueUTL Unable To LocateUTMA Uniform Trust To Minor ActUTP Unshielded Twisted PairUW Underwriting The insurance function that researches and evaluates insurance applicants to decide which are acceptable to

the company as insured. V & R Void & ReissueVA Variable Annuity A variable annuity is a type of financial services product which combines the standard features of most

annuities with investment choice.VAP Vulnerability Advisory ProcessVBS Visual Basic ScriptVCC Virtual Channel ConnectionVDR View DirectVES Voice Election SystemVF Vendor FeedbackVF View Fund DetailVFRO Valley Forge Regional OfficeVGA Video Graphics AdapterVGLI Veterans Group Life InsuranceVI Vehicle InspectionVI Visual InquiryVIC Vehicle Inspection CenterVIN Vehicle Identification NumberVIS Visual Inquiry SystemVL Variable LifeVLF Virtual Lookaside FacilityVM Voice Mail

Acronym Term DefinitionVMDE Verify Maintenance Data EntryVMF Vendor Master FileVP Vice PresidentVP Visual PrintVPD Validate Process Deliverables Sub-process invoked to validate specific process deliverables against standards. Examples include code

inspections and design walkthroughsVPF Verify Processes Are Followed Sub-process invoked to verify that processes are being followed according to standards. An example would

be configuration management audit.VPN Virtual Private NetworkVQ Values QuoteVR02 Visual Request (Policy Print)VR03 Visual Request (Policy Request Information)VRM Vendor Risk ManagementVRML Visual Reality Modeling Language A standard text based language for creating interactive 3-Dimensional objects for delivery across the Internet.

VRS Voice Response SystemVRU Voice Response UnitVSAM Virtual Storage Access Method Access Method Of Os/Vs for use with direct-access storage (need to use access without services.)VSC Vehicle Statistical CodeVSE Virtual Storage ExtendedVSI Vendor's Single InterestVSI Vendors Single InterestVSO Virtual Storage OptionVSP Vision Service PlanVSS Visual SourceSafeVTAM Virtual Telecommunications Access MethodVTO Voluntary Termination OfferVTOC Volume Table Of ContentsVTP Virtual Terminal ProtocolVUL Variable Universal Life The Consultant Variable Universal Life (VUL) product meets the need for increased life insurance with a

flexible decreasing cash value and income replacement protection. It also creates a solid investment portfolio for retirement. The VUL sells itself because the customer can ?see the money? in the policy? (i.e., entire investment portfolio and percentage mix of investment products selected are easy to see).

W3C World Wide Web ConsortiumWAE Western Auto ExpressWAG Workstation Architecture And GovernanceWAN Wide Area NetworkWB Water BackupWBS Work Breakdown Structure A deliverable-oriented grouping of project elements that organizes and defines the total work scope of the

project. Each descending level represents an increasingly detailed definition of the project work.WBST Web Based Scrubbing ToolWC Waiver Of Charges

Acronym Term DefinitionWC Workers Compensation (Line code 57, 58, 98) A line of insurance which covers injury to workers, regardless of fault, at the workplace. Most states require

this coverage for almost all businesses of 3 or more employees. However, some states issue their own WC exclusively in their states (monopolistic) while other state compete with insurance companies and sell WC policies in their states.

WCB Will Call BackWCC Write Control CharacterWCIO Workers Compensation Insurance OrganizationWCM Web Content ManagementWCR West Central RegionWD Terminal DefinitionsWD WithdrawnWDD Workplace Division DisabilityWFMS Work Force Management SystemWFR Walk For RiceWIA Winning in Arbitration Formalized round table discussions to develop arbitration skills.WIC Washington Insurance CouncilWIN Winning in Negotiations Formalized round table discussions to develop negotiation skills.WIP Work In ProgressWL Whole LifeWLM Work Load ManagerWLM Workload ManagerWOP Waiver Of PremiumWOPC Wheeling Output Processing CenterWOS Waiver Of SubrogationWP Waiver Of PremiumWRC Work Request CoordinatorWRCC Western Regional Commercial CenterWRP Willow Road PlazaWS Workstation StandardsWSDL Web Service Description LanguageWSDL Web Services Description LanguageWSP Web Solutions PublisherWSP Written Supervisory Procedures Sets forth the supervisory system established by the member, and shall include the titles, registration status

and locations of the required supervisory personnel and the responsibilities of each supervisory person as these relate to the types of business engaged in, applicable securities laws and regulations.

WSR Web Service RequestWSS Windows Server SolutionsWSS Windows SharePoint ServicesWT Wire TransferWTO Write To OperatorWTS Windows Terminal ServicesWWH World Wide Health Services IncWWW World Wide WebWYO Write Your Own

Acronym Term DefinitionXBRL Extensible Business Reporting LanguageXCA External Communications AdapterXCOM LAN/WAN Data Transfer SystemXFR Fund TransferXGA Extended Graphics ArrayXHTML Definition of HTML 4.01 in XMLXLINK XML Linking LanguageXLINK XML Path LanguageXMI Extensible Metadata InterchangeXML Extensible Markup Language A data format for structured document interchange that is more flexible than HTML. While HTML's tags are

predefined, XML allows tags to be defined by the developer of the page. Thus, XML-defined Web pages can function like database records.

XMOP Extensible Markup Language Metadata Object Persistence A set of components that allows the interoperation between object technologies such as Java, Microsoft COM, and CORBA. This means that objects can be transported between different object systems (COM and Java) and different Java VMs (Microsoft's and Sun's).

XP eXtreme Programming Use is only allowed for evaluation purposes, for a specified area and/or users within the specified time frame.

XPATH XML Path LanguageXRF Extended Recovery FacilityXSDL XML Schema Definition LanguageXSL Extensible Style Language The style standard for XML. Like CSS, it specifies the presentation and appearance of an XML document.

XSLT XSL TransformationsY2PMT Year 2000 Program Management TeamYBR Your Benefits ResourcesYCA Your Choice AutoYCH Your Choice HomeYD Young DriverYE Year EndYPO Young Professionals Organization To provide opportunities for motivated young professionals throughout Allstate to develop professionally

through networking, mentoring, and educational activities, while promoting a positive work environment by creating awareness and understanding of the challenges that face a multigenerational workforce.

YTD Year to Date The cumulative results of a given factor from January 1 through the most current period for which information is available.

ZBB Zero Based BudgetingZIP Zone Information ProtocolZIPMAS Zip Code Market Analysis SummaryZuluTime Coordinated Universal Time (ZTime)

Acronym Term DefinitionA.M. Best Company Ratings A.M. Best Company provides an insurance company rating service. It assesses the insurance company

solvency and claim-paying abilities based on an analysis of profitability leverage, spread of risk, adequacy of reserves, soundness of reinsurance protection, competency of management, management philosophy, and quality and diversifications of investments. Alphabetical ratings are assigned ranging from A++ and A+ Superior, A and A- Excellent, B++ and B+ Very Good, B and B- Good, C++ and C+ Fairly Good, C and C- Fair, D Below Minimum Standards, E Under State Supervision, and F in Liquidation.

Access A relational database for Microsoft Windows. Data structure is presented as a table, consisting of a number of rows (or records) and a number of columns. Access is used for small scale applications with a limited number of users.

Accident Year The year in which the accident occurs regardless of when it is reported.Accounts Receivable The claims against debtors that normally arise from sales of goods and services.Accrual Done primarily at year end. The process of recognizing expenses at the time the services are rendered. An

accrual is put through to recognize the rendered service until the actual invoice is received. This prevents the overstatement of income, or an overstatement of favorable plan variances.

Accrual Reversal Automatic processing of a credit figure posting in the month following the accrual. For example, a $1,500 accrual in the month of February will appear as an accrual reversal credit in the month of March.

Acquisition Cost The expense incurred to sell and underwrite new insurance policies.Acronym Acronyms are abbreviations for terms or phrases, usually the first letter of each of the words in the phrase.

Acronym and Glossary List The Acronym and Glossary List contains Acronyms and Terms used at Allstate and in the insurance industry, with descriptions.

Advance Renewals Policies which renew prior to their actual effective month.Advanced Search Advanced Search provides typical internet search capabilities, similar to Google. It searches names and

definitions of metadata in the MetaData Viewer.Aggregate Domain Rule the Aggregate Domain Rule is comprised of data from two or more domains with all data going into one target.

The Aggregate Domain rule is typically used for translations.Annual Report A report, issued annually by corporations to their stockholders, which contains basic financial statements as

well as management's opinion of the past year's operations and prospects for the future.

Application An application is a business function that may equate to part of the organization or may span organizational boundaries.

Application Code An identifier for an Application in the Codes Management System (CMS).Assets The entire property of a corporation applicable or subject to the payment of its debts; items of worth owned by

the company and shown on the balance sheet, including cash, accounts receivable, inventory, machinery, equipment, etc.

Assignment Method Method used to assign a new code or value.Attribute Synonym Attribute Synonym is a different name for an Attribute than the standard, or original, name. This enables

finding attributes when they are known by other names.Attributes Attributes are the business names that identify information the business needs for an Entity in a Logical Data

Model. Attributes have associated Domains and link to the names of Fields where the data is stored.

Authorized Approver A manager that has been authorized to approve expenditures for his/her department. They must be on the Authorized Approvers Letter, and approved by the Regional Vice President.

Acronym Term DefinitionAuthorized Approver Letter/Cards A letter or card that contains the actual signature of those who are authorized to approve both travel advances

and expense accounts.Availables The number of polices issued, both new and renewal, in the prior term month (either 6 months or 12 months

prior to the current month) and which are available for renewal.Average Case Incurred The average amount of claim payments plus case reserves (Home Office reserves excluded) per reported

claim.Average Case Reserve The average amount of case reserve (Home Office reserves excluded) per pending claim. A measurement of

what it will cost on the average to settle claims reported but not yet closed. (Now called Field Reserves)

Average Compensation Average regular compensation paid to employees.Average CWA Cost The average amount of money paid to settle closed claims, which experienced a loss or expense payment. It

is calculated by dividing paid losses by the number of CWA's (Closed w/Amount).Average Employees An average count of full-time and/or part-time employees calculated by dividing the number of hours worked

by the number of work hours available (in most offices 38.75/week). Normally used at Allstate as an average for a month or for year-to-date average.

Average Issued Premium Average Issued Premium (Per Agent or Per Application) - The total dollar amount of issued premium divided by total agents or total applications, divided by the number of months; always expressed on "per-month" basis.

Average PIF A measurement of the average number of policies in force (PIF) used to track policy growth, to calculate efficiencies and to develop unit costs.

Average Recorded Loss The average amount of claim payments plus all reserves (Case and Home Office) per reported claim.Balance Sheet A statement of financial position as of a specific date that lists assets, liabilities and owners' equity.BAM Reports Business Access Model Reports identify the contents of Business Object Universes, including class and

object names, their definitions and their corresponding database table and column names.Best Practices Business Plan A model business plan developed for each unique market. This model is based on average production and

business practices for that market.Binary A data type identifying the type of data as a system of numbers having 2 as its base and using 0s and 1s for

its notation. Typically 0 represents off / no / untrue; 1 represents yes / on / true.Bodily Injury Selected Ultimate Cost A projection of the final cost of all BI claims reported for a specific period.Bodily Injury Ultimate Cost Actual cost of claims reported for a specific period after all of them has been closed.Breakeven Point Statistical point in the statement of income where payments for losses and expenses equal revenue; the dollar

value of revenue needed to meet costs.Budget A plan for use, or allocation of resources, such as money, personnel, or time for the accomplishment of a

defined management purpose.Budgeted Any expenditure originally planned in the annual budget. This information is needed to determine the

necessary approvals.Business Class Business Classes are logical groupings of business objects within a business view. A Class, such as Claim

Payment, contains Objects, such as Claim Number and Line Code.Business Context In CMS, Business Context explains circumstances for using the domain.Business Home Business Home provides access to information in business terms as opposed to information technology

terms. You can access information about the data in the Allcorp Data Warehouse (ADW) Business Views, which is the source for the metadata you see in the universes in the Business Objects query tool. You can also access information about the Enterprise Data Warehouse (EDW) Data Marts, which are the source for metadata in Brio queries, reports and application windows.

Acronym Term DefinitionBusiness Mileage/Personal Car Miles driven using a personal car for purposes of conducting Allstate business. These miles qualify for

reimbursement.Business Name Non-technical name for metadata. Where possible, both a business name and technical name are provided

for metadata items. Usually the technical name is the name used to identify the metadata in the data base management system or within a tool.

Business Objects Business Objects are the data elements in a Business View. Objects are grouped into classes. Object information may include where the object is located (table and column), codes and their meanings, derived or filter information as well as other business views where the object is used. See also "Business Objects tool"

Business Objects tool The Business Objects tool is used to access data in the Allcorp Data Warehouse. A Universe is used to define a grouping of data to access.

Business Objects Universes A Business Object Universe identifies information available in the Allcorp Data Warehouse (ADW) for a particular business area. This is the source of the metadata seen for a universe in the Business Objects query tool. Universes are comprised of Classes which are comprised of Objects.

Business Plan A business plan explains the nature of a business as well as its goals. It is a detailed plan for the future actions of the company. It is also the document that is presented to lenders in order to borrow funds.

Business Risk Risk that is inherent in a business, such as a decline in sales because there is intense competition. It is evidenced by variability of earnings. Business risk plus financial risk equals total risk.

Business Rules A Business Rule is a statement that defines or constrains some aspect of the business. From the business perspective, it pertains to any of the constraints that apply to the behavior of people in the enterprise. In information systems, business rules are recorded as data and constraints on changes to the values of those facts. That is, what data may, or may not, be recorded in the information system.

Business Rules Viewer The Business Rules Viewer is used to search, view and print Business Rules.Business Value History History of changes to codes and values in the Codes Management System.Business Values Business Values in the Codes Management System are sets of valid entries for a Coded Domain. Values may

be associated to codes. For instance, the value "Illinois" could be represented by the code "IL"

Calendar Year All activity that occurs between January 1 and December 31. The basis used to measure production and expense results.

Capital The accumulated, permanent resources a company gets from owners and customers. The value of the portion of assets that a company owns and that are not restricted by obligations to creditors.

Capital Structure The composition of a business's funding structure ratio.Capitalized Generally, a piece of equipment having a value of $250 or more assigned a property number, put into

accounting books and depreciated over time.Carry-over The process by which the ending cash balance of one month becomes the beginning balance of the following

month. "Carry-over" also means the use of losses or tax credits from one period to reduce taxes in another period.

Case Incurred The sum total of all claim payments plus case reserves.Case Reserve The dollar reserve established by a claim representative (or Home Office on large referred claims) estimating

what the claim will ultimately cost when settled. Also known as field reserve.Cash Flow A measure of money taken versus the money paid out on a periodic basis, usually monthly.Cash Flow Projection The end result (usually a spreadsheet) of predicting the future inflow and outflow of cash to the cash balance

already on hand.

Acronym Term DefinitionCash Receipts Cash taken in by a business.Cession A policy transferred (ceded) to the JUA or Reinsurance Facility and whose premiums, losses and expenses

will be shared by the industry.Cession Limitations A maximum limit placed on the percent of premium or policies that can be ceded to a single company.

Penalties can be assessed if the limit is surpassed.Char A data type identifying the type of data as a fixed-length character string containing alphanumeric characters.

Claim Counts Same as Claims Reported. Claims opened for payment as a result of contact by insured, claimants or due to subsequent investigation.

Claim Department Unallocated Expense The overhead costs of operating the Claim Department including all direct expenses plus the change in Reserve for Investigation.

Claim Expense The expense of settling claims, including certain legal and other fees, and the expense of administering the claim-adjustment process.

Claims Closed Claim brought to a conclusion by either CWA (Closed With Amount) or CWP (Closed Without Payment).

Claims Reported Claims opened for payment as a result of contact by insured, claimants or due to subsequent investigation.

Class Business Classes are logical groupings of business objects within a business view. A Class, such as Claim Payment, contains Objects, such as Claim Number and Line Code.

CMS End Date The date when this Domain information will no longer be valid.CMS Staging A Repository Area containing Coded Domains and Rules that are new or are being modified in the Codes

Management System. To modify a Domain, the Domain is copied from Production into CMS Staging, modified and then moved into Production with its related items, replacing the previous version. AKA in CMS as "in Edit."

CMS Start Date The effective date when this Domain information will be or became valid. If the effective date is unknown for the Domain, this is the date this information was entered into CMS. When codes and values are changed the codes being replaced would receive an "end date" and the new codes would have an "effective date."

CNS File Share The CNS File Share displays a list of documents related to the Common Name Space strategy.Code Collections Various areas of Allstate use different codes to mean the same thing. For example one area may use F =

Female and M = Male while another area uses 01 = Female and 02 = Male. Each set of these codes is called a collection.

Code Matrix Grid A table of all the Business Values for a Domain, associated codes and the collections that use that code.

Coded Domain A Coded Domain is a Domain that has codes and values. Coded Domains are managed by the Codes Management System. See also Domain.

Coded Domain Reports Previously called "CMS Viewer Reports", these are reports on information in the Codes Management System, including Domains, Codes and Values and which Fields contain specific Code Collections. The Allstate Acronym List is one of these reports.

Codes Codes are numbers or words used to represent the values for a Domain. Sets of codes and associated values are considered valid for Coded Domains. For instance, the code "IL" could represent Illinois. A set of codes and associated values is considered a Collection.

Acronym Term DefinitionCodes & Values Wizard The Codes & Values Wizard finds codes and values based on business names. Business Names include

Domains, Domain Synonyms, Attributes and Preferred Field Names. The search of business names can be limited by Application. This is sometimes a more effective way to find codes and values than using Advanced Search or drilling down through the lists.

Codified Domains A domain (field) that has codes and their value definitions associated with it. All fields (attributes) have a domain assigned to them. A domain can be equal to a field or can aggregate fields at a higher level such as the case of State Name which aggregates Garaging State, U. S. State, Risk State, Licensing State, etc. to State Name so that all these fields are using the same codes.

Codified Domains in UCT Collections (sets of codes) are loaded into the UCT (Universal Code Translation) tables and can be used either to provide code/decode (02 = Male), or translations between collections (02 = M = Male).

Coding Manual The Coding Manual is the MAX Coding Manual used by Pricing, MAX and the field to verify MAX Coding.

Collateral A claim on some asset of the borrower to secure a loan and reduce the risk of the lender. If the borrower defaults, the assets can be sold to reduce the lender's loss.

Collection A collection is a set of Codes or Business Values. A Domain may have several collections, each identifying valid values for a field. Collections are identified by a collection number and name.

Collection Data Type The data type for the codes entered for that collection, such as Char, Numeric, etc. If the collection contains Values only (no codes), the type is left blank.

Collection Type Collection Type refers to the source or type of data within the collection. For example, if the data has special characters or blanks, this information is helpful to developers who will be using the data. Values may be External (External Source), Object Identifier (CANVAS OID), Special Character, Standard, Standard with Blank, Undetermined or Value Only (no codes).

Column Columns are also called Fields or Data Elements, which are more general terms for a data item. A column name identifies the data stored in that column.

Combined Ratio The sum of the loss ratio and expense ratio. It is the percent of earned premium, which is used to pay all incurred losses and expenses.

Commercial Premium Credit Annualized premium of issued Commercial policies up to an established maximum per policy.Commission Remuneration, such as a percentage of money that is paid to an independent contractor, for a given activity,

such as sales.Common Collection Collection used in Universal Code Translation tables to translate from one set of codes to another. The

common collection integrates all business values for a domain, associating a meaningless, sequential code with each unique business value.

Common Stock Common stock represents ownership of a corporation. The common stockholder is the residual claimant, i.e., the last one to receive assets if the firm is liquidated. The common stockholder, however, can benefit from growth through appreciation of share and increased cash dividends.

Comparison Summary The result of the EA Conversion Analysis Exercise, this report will show NOA compensation, production allowance, and OEA minus expenses, which should equal net revenue. The same is true for EAs, commission less expenses equal net revenue. This will be projected for both year one and year ten. Keep in mind that these projections are based on today's dollars.

Condition Object Type A Condition object is used to limit or define the values of another data field. Examples include, "year to date" or "current month". This is one of the types of objects in a Business View. See Object type.

Context Help Help available in the MetaData Viewer by clicking the question mark at the top of any page. Context Help is tailored for the content of that page.

Acronym Term DefinitionCorporate Expense Allocation General Corporate, Home Office (P&C); Data Center, Output Processing Center and Shared Markets

expenses allocated to a Region in proportion to the amount of support provided the Region. Usually driven by PIF or earned premium.

Cost Centers A new term with SAP. An area of responsibility or location that generates costs. Cost Centers are similar to our current Company/Office/Department/Function codes.

Cost Elements A new term with SAP. These are similar to our current ledger/subledger combinations. It is the ability to categorize costs.

Cost Objectives A new term with SAP. The location where both direct and indirect costs are recorded. Currently, this is being done through departments. In SAP, these are three different types of cost objects: Cost Center, Internal Order and Work Breakdown Structure.

Cost of Capital The interest rate, inferred cost of retained earnings, inferred cost of issuance of new shares, or blended average of interest and equity capital costs that a firm experience in acquiring funds. It is the discount rate that should be used in the capital budgeting process, but no universally applicable mechanism for calculating it exists.

DA Viewer The Data Administration Viewer is used to generate customized reports on Logical Data Models, Business Access Models and their associated objects.

DAMA International An organizationData Access Type Data Access Type is the type of Data Store used to store the data. It could be a database management

system or file storage system. Some Data Access Types are DB2, Oracle, VSAM.Data Cleansing Data cleansing improves the quality of business data by eliminating redundant and anomalous entries and

applying standard formats.Data Column Object Type A Data Column object type is an object that has its data stored in a column in the database, as opposed to a

different type of object, such as Derived or Condition or Metric. See Object Type.Data Element Data elements is a general term for data, also referred to as Fields or Columns. This is the data stored in a

database or file system.Data Mart In the Data Management industry, Data Marts are subsets of a Data Warehouse, containing data for a specific

function. At Allstate, the term Data Mart was used with the now defunct Enterprise Data Warehouse. When the EDW Data Warehouse was replaced by the Allcorp Data Warehouse, the term was changed to Business Objects Universes, because the tool used to access the data warehouse changed from Brio to Business Objects. The metadata you see in the MetaData Viewer is the source for the names and definitions used in the query tools.

Data Profiling Data Profiling refers to the process of obtaining information on the contents of data stored in a database. for instance, it will identify if a particular column has data, the percentage that contain data or are null, if there are codes, the percent that each code is used. In the repository, Data Profiling contains documents that identify this information. This information is then also displayed on the Column Detail pages in the Allstate Data Guide.

Data Stores Data Stores are groups of Files, also known as databases, instances or file groups.Data Type The type of data that may be stored in that column as defined by the data base management system, such as

Number, Char, VARCHAR2, etc.Database Name Name of a specific instance of a database.DB2 Database Name Name of a specific instance of a DB2 database.DB2Home Identifies the DB2 connection used to access the DB2 database.DBMS Occurrence Name Name of a specific instance of an Oracle database.Debt Ratio Total debt divided by total assets. One of several fundamentally equivalent debt-equity ratios.Debt-Equity Ratios Total debt divided by total assets. One of several fundamentally equivalent debt-equity ratios.

Acronym Term DefinitionDeductibles A dollar amount a policyholder chooses to self-insure by agreeing to pay this out-of-pocket cost when a loss

occurs.Default Failure to meet obligations of an agreement.Definition A Definition is provided for every metadata item where possible on the List and Detail pages. Definitions are

from various sources, depending on the metadata and may be combinations of definitions from various sources.

Depreciation A decrease in the value of property over a period of time due to wear and tear of obsolescence. Depreciation is used to help determine the actual cash value of property at time of loss.

Derived Data Derived data is calculated "on the fly" by summing data, multiplying data, or performing a complex calculation. This is one of the types of an Object. See Object Type.

Direct Expenses Expense Charges which are not allocated to another Allstate Company due to their unique relationship to the Company incurring them.

Disposition Ratio The relationship of claims settled (dispose of) to total reported claims used to measure the expediency with which claims are being settled.

Dividends Distributed assets from corporate earnings to corporate owners. Dividends may be in the form of cash, stock, or tangible property. Cash dividends are declared by the directors of a corporation. Cash dividends are the only returns that most investors receive until they sell their stock.

Domain Domains are business names for data. Domains are linked to Fields, Attributes, Collections, Business Values and Rules. Coded Domains have a specific set of valid values. Non-coded Domains do not have specific values or codes.

Domain Synonym A Domain Synonym may exist for a Domain when the Domain is referenced by a different name. This enables finding domains when they are known by other names.

Domain Type Domain Type identifies whether the Domain is Coded (has codes and values) or Non-Coded (no specific code sets required).

Earned Exposures The number of coverage (auto) or policies (property) we have insured per our contract. They are measured on a car year or house year basis.

Earned Premium The amount of net premium written (net of reinsurance) that becomes earned as the policy period develops and the insurance protection is provided.

Edm Admin Tools The Edm Admin tools (Enterprise Data Management Administration tools) are used to maintain users, groups and tools and perform other system maintenance tasks related to metadata tools. It also allows viewing a log of Events (for example, when a data model or a file group was loaded into the repository) and sending emails to user groups.

Effective Month The month (and day) in which policy is issued.Efficiency A standard used to measure the effectiveness of manpower. (i.e., Employees/PIF)Endorsement A change made to an existing policy which may result in a change in premium based on a change in a

coverage provided or an applicable rating factor. It could be a change in coverage or the addition and/or deletion of a car on an automobile policy.

Entity Entities are business names that identify a person, place, thing, concept, or event that Allstate needs for business. Logical Data Models contain Entities which contain Attributes. By linking Entities to File names, we can find files without having to know their technical database names.

Entity Keys One or more attributes in an entity that are used to identify the contents within the entity. A Primary Key, for instance, uniquely distinguishes one instance of that entity from all other instances that may exist for that entity. A Foreign Key is a Key in a different entity, included in this entity to identify an association.

Acronym Term DefinitionEntity Synonym Entity Synonym is a different name for an Entity than the standard, or original, name. This enables finding the

entities when they are known by other names.Equity The value of a business beyond any mortgage or liability.Equity Capital The owner's claims to funds invested in the business.Equity Financing Money loaned to a business owner that the owner does not have to repay on a scheduled basis.Expense Allocations Expenses are allocated to each department on a user pay basis. This allocation amount or percentage is

predetermined and agreed upon by management.Expense Allowance Monthly reimbursements to certain types of agents to pay for specified office expenses.Expense Documentation Manual Manual giving narrative description of ledger and sub-ledger, list of department codes, office codes, and

contacts for batch information. Contact accounting if you need copies. Abbreviated copies are also available electronically. A new version with SAP Cost Element conversions is also available.

Expense Ratio The percentage of earned premium used to pay expenses. It is used to monitor expense levels.Exposures Same as C.I.F. (Coverage In Force). The number of exposures generated by the prior month PIF (EOM). For

property, it is equal to PIF (BOM). For auto, it is equal to the number of cars carrying a specific coverage at the beginning of the month.

External Collection Collection has codes and values from an external source and Allstate has no control over the data.External Models External Models are created external to Allstate and are stored only in the External Models area in the

repository. These models do not contain domain or code information, are not integrated with other repository objects and are not located in the Production area. See Model Type.

External Source A Coded Domain may be from an external source, such as a company outside Allstate.Facility Direct Under a Reinsurance Facility, business directly written by a carrier and then ceded (premium and losses) to

the Facility with no resulting impact on the Region's P&L.Facility Transfer Under a Reinsurance Facility, each carrier received a pro-rata portion (transfer) of the Facility results, which

are the sum of the Facility Direct business. The transfer impacts the Region's P&L.Fast Track An analysis of state loss results between Allstate and the industry, which permits a comparison of Allstate's

changing pure premium levels (by coverage of PPA and by line for Owners).Federal Identification Number A business number obtained from the Internal Revenue Service that identifies the business of federal tax

returns and documents.Field Reserve Same as Case Reserve. The dollar reserve established by a claim representative (or Home Office on large

referred claims) estimating what the claim will ultimately cost when settled. Also known as field reserve.

Fields Fields are the data stored in a database or file system. In relational systems, fields are referred to as columns.

File Context Identifies physical reference data at a level higher than File (Table) and Field (Column). When physical references have the same File (Table) and Field (Column) names for the same Domain in CMS, File Context provides a unique identifier allowing the physical reference to be associated to different code sets.

Files Files are groups of Fields, also known as tables, VSAM or flat files.Filters Criteria used to identify metadata items.Financial Responsibility Law A state law which may require motorists to furnish evidence, either before or after involvement in an auto

accident (depending on the individual state's law), of ability to pay for damages up to certain minimum dollar limits. These requirements commonly are met by carrying auto liability insurance with specified minimum limits or more.

Financial Risk The risk that a firm might not be able to meet its financial obligations.Fixed Costs Costs that remain fairly constant month to month, and are unrelated to production costs.

Acronym Term DefinitionFlat File A file that has no structured interrelationship between its data records. Data records are strings of data;

typically without delimiters in the data itself. Copybook layouts provide the structure to determine what data fields are represented in which positions in the data string.

Frequency See Gross, Net or Paid Frequency. The number of claims per 100 coverage in force.Full Name If a name had to be shortened for some technical reason, this displays the complete, unabridged name.

General Corporate Expense Allocation The process by which the expenses for Corporate Head Office, whose activities affect all business units, are allocated to each of the business units/Regional Offices using earned premium.

Glossary See Acronyms and Terms.Grid A Grid displays information in a table format with rows and columns. In the MetaData Viewer, some of the

information are links to Detail pages or additional grids.Gross Expense The sum of all company allocations of a particular expense ledger or item.Gross Frequency The number of annualized claims reported per 100 coverage in force. It is used to monitor the quality of the

book of business.Gross Paid Severity Gross loss payments divided by CWAs. The formula is: (Gross Loss Payments + Allocated Expenses) / CWA

Gross Written Premium The total premium derived from all policies issued and taken. For 6 month polices, the adjusted premium for add cars is also included.

Hex A data type identifying the type of data as Hexadecimal which refers to the base-16 number system, which consists of 16 unique symbols: the numbers 0 to 9 and the letters A to F.

Home Office Reserves Reserve dollars established by the Home Office Claim Reserve Department in addition to case reserves. The reserves are used to insure enough money is put aside to cover additional liabilities unknown to the adjuster or best estimated on a broader scale. This helps reduce the impact of case distortion and stabilizes the overall claim liability.

Home Page The page that initially opens when you open the MetaData Viewer. The default Home Page contains general information about the MetaData Viewer. You may select Business Home or the MetaData List as your default Home Page in place of the original default Home Page.

House Years See C.I.F. The number of exposures generated by the prior month PIF (EOM). For property, it is equal to PIF (BOM). For auto, it is equal to the number of cars carrying a specific coverage at the beginning of the month.

Hurdle Rates Minimum rates of return that investors wish to receive before they will make certain investments. Hurdle rates are set by comparing investments to alternate investment opportunities.

Incurred Losses The total of all claim payments (losses and expenses), subrogation, salvage, plus the change in reserves (case and Home Office) during a stated period of time. The change in IBNR may also be included.

Incurred Severity The total incurred loss dollars per claim reported.Informational Tax Returns (Federal income taxes) - Information required under the Internal Revenue Code and regulations to be

furnished by persons who pay income to others. The principal types relate to payments of $600 or more for services rendered, if such payments are not shown on Form W-2 and payment to non-corporate recipients of business rents and royalties of $600 or more. Informative returns must also be filed by partnerships, estates, and trust including details of revenues and expenses, and distributable shares of net income, if any.

Integer A data type identifying the type of data is a whole number. A positive or negative number with no fractional part; a fixed-point number in which the part after the decimal is zero. (www.techdictionary.com)

Acronym Term DefinitionInterest A charge paid for borrowing money.Interest Rates The cost of debt financing.Inventory A list of the property of a corporation.Investment Income The earnings of a company from its investments, including interest, rent from real estate and equipment, stock

dividends, and capital gain.Invoice A detailed list of goods shipped or services rendered; a bill.Involuntary Compensation Any compensation earned by an agent arising from JUA, Assigned Risk or Facility business.Involuntary Market That segment of the driving public, which does not qualify for voluntary Private Passenger Automobile

insurance due normally to Underwriting criteria or under priced rates. It is also known as the "Residual Market".

IRS Code Used to identify a purchase that has been made that requires notification be sent to the IRS per its published guidelines.

Issued Business Total applications or premiums submitted less rejected applications or premiums.J-28 A report generated by the Human Resource System that provides employee statistical summaries by

department. Also known as the M90.J-58 An Allstate form that is sued to initiate and acquire approvals to seek a new employee.Journal Voucher Used to move (transfer) expenses from one office/department to another office/department.JUA Direct Under a Joint Underwriting Association (JUA), that business directly written by a Servicing Carrier and then

ceded along with its loss experience to the industry JUA with no resulting impact on the Region's P&L.

JUA Transfer Under a Joint Underwriting Association, each insurance company receives a pro-rata portion of the Industry JUA results (written and earned premium plus losses and expenses). The JUA Transfer impacts the Region's P&L.

Key One or more columns in a table used to identify the contents within the table. A Primary Key, for instance, distinguishes one row of data in that table as unique within the table,

Keyword Keywords are one or more words used in searches or filters to identify Domains or Rules that have been associated to the keyword. At this point, Keywords are only applicable to Coded Domains and Rules and are managed by Codes Analysts.

Keyword Short Definition The full name for the Keyword or brief definition, often used to provide the full name for abbreviations or acronyms used in the keywords.

Keyword Type Keyword Type defaults to CMS. At this point, Keywords are only applicable to Coded Domains and Rules and are managed by Codes Analysts. In the future, Keyword Type may be used to distinguish CMS usage from Keyword associations to other metadata.

LDM Reports These are reports on the contents of the Logical Data Models, that identify, for instance, each business data element (attribute), its definition and the name of the column where this data is stored.

LDM Wizard The Logical Data Model Wizard provides search capabilities by Logical Data Model or Business Access Model. The search is against the names of Domains, Entities, and Attributes.

Ledger All expense items are categorized into similar groupings to facilitate control planning. This categorization is achieved via a system of two digit codes.

Length The allowed length of data that may be stored in a column or field.Liability A recognized claim against or amount owed by a business or individual. The legal responsibility to repay debt.

Limited Liability A person has limited liability if he/she is only responsible for paying the portion of debts or the business that are proportionate to the person's investment in the business.

Limited Partner A person who invests money in a business (a limited partnership).

Acronym Term DefinitionLogical Data Model Attributes Attributes are the business names that identify information the business needs for an Entity. Attributes have

associated Domains and link to the names of Fields where the data is stored.Logical Data Model Diagram A diagram identifying the entities, attributes and their relationships for a business function. The diagram is part

of the Logical Data Model, which also includes textual documentation.Logical Data Model Short Name The Logical Data Model Short Name is an abbreviated name used as an alternative identifier for the data

model in some tools.Loss Incurred See Incurred Losses. The total of all claim payments (losses and expenses), subrogation, salvage, plus the

change in reserves (case and Home Office) during a stated period of time. The change in IBNR may also be included.

Loss Ratio The percent of earned premiums that goes to pay claims.Loss Reserve An insurance company's best current estimate of the total dollar amount that will be paid in the future for an

accident that has already occurred.Mandatory Insurance Plan Insurance programs which have been established by state governments to provide insurance to individuals

who would otherwise be unable to obtain coverage. Examples are: JUA; AR; and Reinsurance Facilities.

Marginal Tax Rate Tax on additional dollar of taxable income. Contrast to average tax rate (income tax expense divided by income before deducting income taxes) and statutory tax rate (the rate specified into he income tax law for each type of income or capital gain).

Market Growth The expansion of the total number of potential policyholders in a market.Market Segmentation The process of selecting from a population of mixed characteristics a group, or groups, having similar

characteristics representative of a desired market.Market Share That portion of a market's policyholders who are insured with the same company; a company's percentage

share of the total premium available in a market.Marketing Plan Part of the business plan that analyzes and sets goals for each line of insurance.Master Data Information required to create and maintain an enterprise-wide "system of record" for core business entities, in

order to capture business transactions and measure results for these entities. Master data spans all organizational business functions.

Merit Rating The application of premium surcharges for chargeable accidents and/or traffic violations.Metadata Bridge The Metadata Bridge tools are used to maintain file group metadata. The tool provides a means of versioning

and managing Business Views, publishing Business Views in the MetaData Viewer and creating metadata for Business Objects.

Metadata Items Metadata Items is a general term used when there are multiple metadata types. For instance, a Metadata Item could be a Data Store, Column, Class, Logical Data Model, etc.

MetaData List The MetaData List lists the types of metadata available in the MetaData Viewer. It is a high level starting point for browsing the viewer. The list includes the types of metadata, basic information, and links to related items or detail. To open Metadata Lists from a graphical representation, see MetaModel.

Metadata Tools Metadata Tools are used to load, integrate, and view metadata in the metadata repository. Tools that permit update are visible only to those granted that authority. The MetaData Viewer is the major tool for viewing metadata.

MetaModel The MetaModel is a high level graphical representation of MetaData Viewer contents and their basic relationships.

Metric A business metric is any type of measurement used to gauge some quantifiable component of a company's performance.

Acronym Term DefinitionMetric Characteristic A characteristic or axis of analysis (a dimension) sets the context by which a metric or measurement can be

calculated. One or more characteristics will often be grouped together forming an analytical combination or group of related contexts by which said measurement can be analyzed.

Metric Synonym A Metric Synonym is a different name for a metric than the original or standard name. Metrics are given names in order to reference them, but a metric could be known by other names. Synonyms enable finding metrics when they are known by other names.

Model Type Model Type identifies the level that the Logical Data Model conforms to data modeling standards. The types are: Standardized, Tailored, External, and Business Access Model.

Moody's Investors Service A rating agency that assigns credit ratings to bonds and other debt issued by businesses and governments and insurance companies. Its ratings of insurance companies are based on asset quality, profitability, capital adequacy, asset-liability matching, liquidity, strength of company products, distribution systems, business strategy, regulations that may affect strength, management, company diversification, competition, and affiliations. The ratings indicate relative financial strength and ability to pay claims. The alphabetical ratings are Aaa Exceptional. Aa Excellent, A Good, Baa Adequate, Ba Questionable, B Poor, CAA Very Poor, CA Extremely Poor, and C Lowest.

Net Applications Applications which are received and accepted by Underwriting.Net Cash Generated Indicated whether the business is generating positive cash flow (inflow of cash is greater the outflow) or

negative cash flow (outflow of cash is greater than inflow for the month). It is the remainder when cash outflow is subtracted from inflow.

Net Frequency The number of annualized claims reported less claims closed without payment (CWP's) per 100 coverage in force (PIF for property). CWP's are excluded to offset possible distortions cause by opening practices.

Net Income The "bottom line" or profit after taking all revenues, then deducting all costs and expenses, and finally making any tax adjustments.

New Business Applications submitted by agents or premium generated from policies which have not yet renewed for the first time.

Non-Coded Domain A Non-Coded Domain is a Domain that does not have codes and values. Values for a non-coded Domain are not limited to a specific set. For instance, a Domain for "person's last name" could not be limited to a specific set of values. See also Domain.

Non-Recurring This is a unique expense, which requires that an order be placed each time a good or service is needed. One example would be a purchase of office supplies. Until a specific order is placed, no goods will be received and no billing takes place. Once the transaction is complete no further billing takes place until another order is placed.

Nova Data Mapping Viewer The Nova Data Mapping Viewer displays mappings from the Nova Data Mapping Repository. These mappings identify how specific fields are represented in various systems, including SSP, CDB, BOB and others.

Null A data type identifying that there is no data present. Data field is empty.Null Indicator Indicates whether or not a column or field may contain nulls.Numeric A data type identifying the type of data as a number.Object Business Objects are the data elements in a Business View. Objects are grouped into classes. Object

information may include where the object is located (table and column), codes and their meanings, derived or filter information as well as other business views where the object is used. See also "Business Objects tool"

Object Identifier Collection Collection has OIDs (Object Identifiers) used for Object Oriented Programming languages and are sequential identifiers of data.

Acronym Term DefinitionObject Type A Business View Object is classified as one of the following types: Data Column (has its data stored in a

column in the database), Derived (calculated "on the fly" by summing data, multiplying data, or performing a complex calculation), Condition (used to limit or define the values of another data field. Examples include, "year to date" or "current month") or Metric (any type of measurement used to gauge some quantifiable component of a company's performance).

Office Code The three-digit code of the Regional Office.Operating Income The sum of investment income and underwriting income (excluding capital gains).Opportunity Cost The rate of return that a firm must forego when it selects one course of action over another. By investing in

project A, the firm has foregone the opportunity to use those same funds in some other project. The return could have been earned on an alternative project in opportunity cost.

Oracle A client/server relational database management system that presents a data structure as a table, consisting of a number of rows (or records) and a number of columns. Oracle database is typically used for medium to large scale applications.

Owner Name Name of the owner under which the database tables are defined.P and L Stands for "profit" and "loss" and refers to the Statement of Income.Paid Frequency The number of annualized claim closed with amount (CWA), per 100 coverages in force (PIF for property). It

reflects closure activity for a particular time period without regard to when the claim was reported. It also removes the impact that changes in opening practices have no frequency analysis.

Paid Losses The dollar amount of loss payments made while handling claims (opened and closed) in a given period.

Paid Pure Premium The average amount of paid loss plus allocated expense, per coverage in force (PIF for property). It is also equal to paid frequency times paid severity.

Paid Severity The paid loss and allocated expense per any partial payments on claims still openPar Value The face value of a bond.Payback Period The number of years required to return the investment outlay.Payroll Tax Business that hire employees are responsible for payroll tax, which is comprised of federal and state income

tax withholding, FICA (Social Security, and FUTA and SUTA (federal and sate unemployment).

Pending An open claim against a coverage, which is yet to be closed.Per Diem A fixed daily allowance covering meals and other daily expenses afforded a non-management employee

traveling for periods of one week (seven consecutive days) or more.Percent CWA Closed The percentage of closed claims that were closed with amount. The formula is: CWA divided by Claims

Closed.Percent CWP To Reported A ratio of claims closed without payment (either no payment or only an expense payment) to total claims

reported.Percentage Pending The relationship of pending claims to total reported claims.Percentage Variance The difference between two amounts.Physical Mappings Physical mappings identify the fields and columns where each Domain is used. It is called physical because it

refers to the physical database (as opposed to a logical data model) and mapping because the Domain information from CMS and the logical data model are mapped (linked) to the database information.

Physical Only Columns are physical only when they are not a part of the logical data model but may be used in queries.

Policy Termination Ratio A measure of the number of policies terminated relative to the number of gross policies in force.

Acronym Term DefinitionPolicy Year The summation of all polices and related premium and loss data issued with effective dates within one

calendar year, regardless of the year issued. By isolating one policy year, the effect of underwriting and other premium based on strategic programs can be more easily measured.

Precision The number of decimals in a column or field.Preferred Collection Collection is sanctioned by the Data Stewardship council.Preferred Definition A Business Definition given to a Table or Column in place of the Entity or Attribute and Domain definition.

Preferred Name A Business Name given to a Table or Column in place of the Entity or Attribute or Domain name. Sometimes a table or column is more recognizable if it is referred to by a more specific name.

Premium Cancellations A reduction of gross written premium caused by policy terminations, reductions in coverage, or other premium reducing endorsements.

Premium Per Coverage The premium charged for each coverage provided by a policy. An insured may pay $700 in premium. Of that, $190 might be the premium per coverage for Bodily Injury.

Premium Termination Ratio A measure of the amount of premium terminated or endorsed relative to the amount of gross written premium during the same time period.

Premium To Surplus Ratio Measures the cushion that an insurance company's surplus provides for absorbing unusually high losses and declines in investment values.

Premiums Written Total premiums for insurance written during a given period.Pro Rata Share To divide costs or expenses in proportionate shares based upon share footage.Production A Repository Area containing metadata for items in Production. For instance, if a Table is in Repository

Production, that Table has been implemented in systems Production.Profit The excess of the selling price over all cost and expenses incurred in making the sale.Profit Sharing Plan A qualified benefit plan that allows employees to share in the profits of the business; the amount of the

benefits the recipients collect depends on the profits of the business.Purchase Order (Form G98) - a form which is used to initiate an order for goods and services, obtain the required approvals,

and facilitate payment of the invoice. Generally used only when the vendor will be sending invoice directly to the Controller Department for payment. Uses may vary by each Region.

Pure Premium The average amount of dollars needed to pay losses and allocated expenses, per coverage in force.Rate Analysis The determination of the adequacy of current rates and the projected premium they will produce in light of the

anticipated losses that will be incurred.Realized Capital Gains (Losses) This income includes all net capital gains or losses from the sale of investments (stocks, bonds, etc). For

example, if Allstate bought 100 shares of stock for $10 a share ($1,000), and the stock value increased to $15 a share ($1,500), the "paper profit" would be $500. This $500 is considered an "unrealized" capital gain. When the stock is sold, it becomes a "realized" capital gain and is considered revenue.

Recurring Expense An expense where invoices will be generated regularly based upon a bill. Once a request for service is made and honored by the company, a bill will automatically be generated each month.

Reinsurance The means by which one carrier spreads the risk (premium, loss and expense) of potentially large loss or catastrophic situations with other carriers to protect against an isolated event causing financial strain or ruin.

Reinsurance Ceded The premium charged by one insurance company in exchange for reinsurance.Rejection Ratio The percentage of applications received and rejected by Underwriting to the total number of applications. It is

one indicator of the quality of new business submitted.Renewal Business All policies (or premium), which have renewed at least one time.

Acronym Term DefinitionRenewal Ratio A retention measurement used to track the number of insured who retain their policy when the current term

expires. The basic calculation is achieved by dividing the policies, which renew (GPI's) into the total number, which potentially could have (availables).

Reopen A claim, previously closed, but reopened due to additional loss or expense payments incurred subsequent to closure.

Report Year The calendar year a claim is reported and included in loss statistics regardless of when the loss occurred. All future incurred loss activity is recorded in the original report year. Report year data is most often used to monitor results related to claim handling (versus premium-based strategies).

Repository Area Repository Areas identify groupings of MetaData Viewer objects, usually for versioning.Reserve Change The change in reserve amounts (for Field, Home Office, IBNR and Reinsurance Recoverable) from one

period of time to another. It is the change in each reserve that is reflected in the statement of income results.

Reserve for Investigation A reserve established in Home Office and allocated to each Region to cover expected cost of investigating the event of a loss.

Reserves Dollars that are statistically set side to pay claims at some future date.Residual Market A general term describing the total of all consumers who have had difficulty purchasing insurance through

normal channels. Automobile Insurance Plans, FAIR Plans, Reinsurance Facilities, and Joint Underwriting Associations all service this market.

Revenues The sum of property-liability insurance premium earned; life insurance premium income and contract charges; invest income, less made.

Rule A Rule identifies valid combinations of Domain Collections or a valid subset of a Domain's values. For example, a Rule could identify which product lines are available and also permissible in certain states.

Rule Category Rules may be categorized as Aggregate Domain Rule or Valid Combination Rule.Rule Component The Domains or other Rules that are used in comprising this rule.Rule End Date The date when this Rule will no longer be valid.Rule Start Date The date when this Rule will be or became valid. If the start date is unknown for the rule, the Start Date is the

date this rule was entered into CMS.Rule Values Grid Rule Values Grid identifies the combinations of values that comprise the rule. Values are listed by Component

(Domain or Rule Name).Rules A Rule identifies valid combinations of Domain Collections or a valid subset of a Domain's values. For

example, a Rule could identify which product lines are available and also permissible in certain states.Salvage The dollar amount recovered from the sake if items received from insured upon a total loss. It is a component

of paid losses and is processed as a credit to losses.Sanctioned Attributes Sanctioned Attributes are Attributes that have been sanctioned for use in Logical Data Models as representing

enterprise-wide business data.Sanctioned Date The date that a Sanctioned Document became effective.Sanctioned Entities Sanctioned Entities are entities that have been sanctioned for use in Logical Data Models as representing the

enterprise-wide business description.Sanctioning Document File Name The name of MS Word file containing a Sanctioning Document.Sanctioning Documents Sanctioning Documents describe Logical Data Model Entities and Attributes sanctioned through the Data

Stewardship Council to promote consistent use of data throughout the enterprise.Sanctioning Staging Area A Repository Area containing sanctioning documents, entities and attributes that are new or are being

modified before moving the changes to Production.

Acronym Term DefinitionSDM Rule Tables A complex code is one that uses two or more fields to derive a value. For example, to find a Product Category,

you also have to know the Company Name, the State Name and the Product Name. A SDM table is built to evaluate these three fields and provide the Product Category.

Search Search provides typical internet type search capabilities. The initial search field is a simple search matching your criteria with the beginning of the names or definitions. Advanced Search allows more sophisticated search options.

Seasonals A measurement that takes seasonality into account. Historically, some figures follow a seasonal pattern. Seasonals are used during planning to anticipate routine monthly fluctuations over a period of years.

Server Name Server ID that the database is located on.Servicing Carrier Under a JUA, a limited number of insurance companies are designed as the carriers who will process policies

and settle claims.Servicing Carrier Credit The remuneration received by Servicing Carriers, from the Industry JUA, for the costs related to processing

JUA policies and settling claims.Severity See Paid Severity and Incurred Severity.Shareholder A person who invests in a corporation and becomes an owner by purchasing shares of stock.Shock Loss A single incurred loss of $10,000 or more. When losses are analyzed using a smaller base (agent PIF), a

single shock loss can distort the results. Oftentimes, these are removed to provide a clearer picture of the loss results.

Special Characters Collection Collection has codes with special characters such as &, #, $.SQL Server Structured Query Language Server is a client/server relational database management system that presents a

data structure as a table, consisting of a number of rows (or records) and a number of columns. SQL Server is typically used for small to medium scale applications.

Staging Area A Repository Area containing metadata for items that are new or are being modified before implementing the changes in Production. For instance, a Table could be in a Staging area to add or delete columns, or it could be in the Staging area because the entire Data Store was copied into the Staging Area to apply changes not related to that Table. An empty Staging area indicates there are no changes taking place currently in that area.

Standard and Poor's Insurance Company Ratings Ratings of insurance companies based on profitability, capitalization, investments, liquidity, management and corporate strategy, operating effectiveness, business and financial risk levels a company elects to support, projections of future performance, and industry specific risk, which affects financial quality over the long haul. A claim-paying ability rating indicates a company's capacity to meet insurance policy obligations. A qualified solvency rating differentiates between insurance companies that are likely to remain solvent and those that may be more likely to experience financial stress. For example, the ratings on the claim-paying ability scale, which are alphabetical, are AAA Superior, AA Excellent, A Good, BBB Adequate, BB Adequate but somewhat vulnerable, B Vulnerable, CCC Highly questionable, CC and C Vulnerable to liquidation, and D ordered to liquidate.

Standard Collection Collection contains basic codes and values without any special characters or blanks.Standard with Blank Collection Collection has basic codes and values with a blank code having a meaning.Standardized Model A Standardized Model is a Logical Data Model that fully conforms to logical data modeling standards. See

Model Type.Statistical Reserves The reserves established is Home Office for coverages such as PD and Collision. Case reserves are not

established in the MCO's, rather a countrywide average reserve is determined for each pending claims and month end.

Subledger A two-digit number specifying a detailed classification of expense within a ledger.

Acronym Term DefinitionSubrogation The amount received from action against third parties (claimants or their insurance companies) in cases

where the third party is liable. Upon indemnification, the insured assigns all right of action against a third party to their own insurance company. It is processed as a reduction to losses, being a component of paid losses.

Supplemental Reserves See Home Office Reserves.Surplus A stock company's surplus is the amount by which its admitted assets exceed its liabilities and capital stock. In

both stock and mutual companies, the term surplus-to-policyholders means the excess of admitted assets over liabilities.

Synonym A different name for a metadata item than the standard, or original, name. Synonyms exist for Domains, Entities, Attributes and Metrics. This enables finding the items when they are known by other names.

Tables Tables are the type of files used in relational Data Base Management Systems (DBMS), such as DB2 and Oracle. Tables are groups of Columns. A Table is modeled in a data model as an Entity.

Tailored Model A Tailored Model is a logical data model that for some reason does not fully conform to logical data model standards. See Model Type.

Tax Credit A deduction from one's tax liability given for specific activities such as investing in certain types of assets. (Investment tax credit).

TCI Application Id Transmittal Component Inventory (TCI) Application Identifier. TCI is the complete inventory of all components transmitted to production. TCI Application ID is the identifier given to identify components for a specific application. Typically the ID is 2 characters.

Text A data type identifying the type of data as character string containing alphanumeric characters.Trade Basis Expense Ratio An expense ratio that expresses an insurance company's cost of doing business by comparing underwriting

expenses to written premium.Transaction Reason Codes Manual The Transaction Reason Codes Manual contains Expense and Loss Transaction Reason Codes that are

validated in Claims Daily Update and CCS.Turnover Ratio The annualized rate full time terminations per 100 average employees.UCT - DB2 The UCT - DB2 Tool is used to display and export customizable reports on the Universal Code Tables in DB2

and deployment logs. You may also be notified of changes upon request.UCT - Oracle This is a tool that displays codes and physical mappings (Tables and columns where the codes are stored) for

codes in UCT (Universal Code Tables) in Oracle databases. Filter by Application or Interest Group. Search on file/table names or field/column names.

Unallocated Expenses See Claim Department Unallocated Expense.Underwriting Income or Loss The profit or loss experienced by a property and casualty insurance company after deducting from earned

premiums the incurred losses and expenses of doing business, but before provision of federal income tax. It excludes investment income.

Unearned Premium The money an insurer would have to give back under each policy for the unexpired term of the policy if were canceled.

Unearned Premium Reserve A liability (in accounting records) that reflect the premium dollars the insurance company would have to give back if all policy holders canceled their insurance.

Unit Cost Expenses related to a unit (PIF, Agents) divided by the number of units. The formula is: Expenses divided by Number of Units

User Name ID of the user given permission to access the database catalog information.

Acronym Term DefinitionValid Combination Rule Valid Combination Rule is comprised of more than one simple combination of codes and business values.

This could mean either associating two or more enumerated domains, non-enumerated domains or other rules. It could also be an association of two or more code collections within one domain.

Value Mappings Value mappings identify the codes associated to business values within a Domain collection.Value Only Collection Collection only has values, no codes.VarChar A data type identifying the type of data as a variable-length character string containing alphanumeric

characters.Variable Costs Costs that vary according to variations in activity such as production levels.Variance The difference between two amounts.View A View is composed of columns from one or more tables in a data base management system. In many

respects, a view looks and functions like a table. See also Business View.Wage Compensation paid to employees for services performed for the business.Warehouse ID Warehouse ID is a unique identifier used by the Data Warehouse to identify Coded Domains. Non-coded

Domains do not have Warehouse ID's.wiki Any collaborative website that users can easily modify via the web. Users can search the website and enter

text. Wiki wiki means "quick" in Hawaiian.Written Exposure The number of coverage (auto) or polices (property) written in a given period of time, less terminations.Written Premium The amount of premium charged to a policyholder for the insurance coverage provided.