Annual Rate Certification Filings
Small Employer Group Actuarial Certification
Small Employer Group Underwriting Experience Report
Annual Medicare Supplement Refund Calculation Report
Self-Funded Health Benefit Plans for Local Governmental Units
Annual Credit Life/Disability Experience Report
Long-Term Care
We're filing endorsements or riders to a previously approved life or annuity form. Do we still need an actuarial memorandum?
Our group life contract is designed to be marketed to Florida groups. The master contract is issued to a non-Florida trust. Would that make it an in-state or out-of-state filing?
We want to update our life insurance rates, e.g., schedule of Cost of Insurance (COIs) or premiums. What do we need to file?
What experience needs to be provided in an individual product rate filing?
Are modal loadings included in the earned premium?
What must be submitted with a rate schedule?
What is included in incurred claims in determining loss ratios?
Could individual policies have a guaranteed period where rates will not be increased?
*LIFE FORM FILINGS MUST INCLUDE A CERTIFICATION FORM FROM AN ACTUARY THAT THE FORM HAS NO IMPACT ON RESERVE AND NONFORFEITURE VALUES.
Please Note: There is no standardized form required for actuarial certification. Health form filings should include a certification from an actuary that the form has no impact on rates.
Does Florida have statutes and rules that outline the requirements for the filing of forms?
Can I find additional instructions to assist me in putting my filing together?
How long does it take for a filing to be reviewed?
What if I can't make the response deadline indicated in your letter?
Can I change a previously approved form?
Can I submit more than one policy form in the same filing?
What can I do to speed up my forms review?
What is required when I submit a filing for a rider, amendment or endorsement?
Who should I contact regarding a filing that is currently under review?
The 2023 Standard Risk Rates are to be used with effective dates between January 1, 2023 and December 31, 2023.
2023 Standard Risk Rates and Area Factors (pdf)
2023 Standard Risk Rates and Area Factors (Excel)
The effective date is the first day the company intends to implement the rates and not the renewal date of an individual insured.
The 2022 Standard Risk Rates are to be used with effective dates between January 1, 2022 and December 31, 2022.
2022 Standard Risk Rates and Area Factors (pdf)
2022 Standard Risk Rates and Area Factors (Excel)
The effective date is the first day the company intends to implement the rates and not the renewal date of an individual insured.
The 2021 Standard Risk Rates are to be used with effective dates between January 1, 2021 and December 31, 2021.
2021 Standard Risk Rates and Area Factors (pdf)
2021 Standard Risk Rates and Area Factors (Excel)
The 2020 Standard Risk Rates are to be used with effective dates between January 1, 2020 and December 31, 2020.
2020 Standard Risk Rates and Area Factors (pdf)
2020 Standard Risk Rates and Area Factors (Excel)
The 2018 Standard Risk Rates are to be used with effective dates between January 1, 2018 and December 31, 2018.
2018 Standard Risk Rates and Area Factors (pdf)
2018 Standard Risk Rates and Area Factors (Excel)
The 2016 Standard Risk Rates are to be used with effective dates between January 1, 2016 and December 31, 2016.
2016 Standard Risk Rates and Area Factors (pdf)
2016 Standard Risk Rates and Area Factors (Excel)
The 2015 Standard Risk Rates are to be used with effective dates between January 1, 2015 and December 31, 2015.
2015 Standard Risk Rates and Area Factors (pdf)
2015 Standard Risk Rates and Area Factors (Excel)
The 2014 Standard Risk Rates are to be used with effective dates between January 1, 2014 and December 31, 2014.
2014 Standard Risk Rates and Area Factors (pdf)
2014 Standard Risk Rates and Area Factors (Excel)
The 2013 Standard Risk Rates are to be used with effective dates between January 1, 2013 and December 31, 2013.
2013 Standard Risk Rates and Area Factors (pdf)
2013 Standard Risk Rates and Area Factors (Excel)
The 2012 Standard Risk Rates are to be used with effective dates between January 24, 2012 and December 31, 2012.
2012 Standard Risk Rates and Area Factors (pdf)
2012 Standard Risk Rates and Area Factors (Excel)
The effective date is the first day the company intends to implement the rates and not the renewal date of an individual insured.
As required by Section 627.9407(7)(c), F.S., the links below provide the maximum new business rates for Facility Only (nursing home), Non-Facility Only (home health care), and Comprehensive (nursing home and home health care) policies in the state of
Florida. The rates represent commonly offered benefits under these types of coverage. For guidance on the appropriate method to adjust these rates to account for plan variations, please contact OIR.
The 2021 Long-Term Care New Business
Rates are to be used with effective dates between February 1, 2021 and December 31, 2021 or until additional rates are published.
The effective date is the first day the company intends to implement the rates and not the renewal date of an individual insured.