Catherine Reuben, an attorney in So...

Catherine Reuben, an attorney in Somerville, Mass., and her domestic partner, Scott Glanzman, wanted fine-draws insurance to cover themselves and their belongings in the apartment they shared. Since they were partners, although not married, they wanted a single, joint policy. They went by means of the Nancy Bender Insurance Agency in Boston and got what they wanted. "I didn't plane know there was an issue," Reuben said.

For Amber seat and her domestic partner in Chicago, the experience was not as favorable. Metropolitan Life required them to bribe two individual policies, explaining it was against the company's action to allow unmarried ...