NAIC Loss Cost Bulletins

This page provides information about operating in a loss cost system. Under this system, advisory organizations no longer develop or file advisory final rates, but instead develop and file, for approval, advisory prospective loss costs and supporting actuarial and statistical data. Each insurer must individually determine and file the rates it will use as a result of its own independent company decision-making process. Advisory organizations develop and file rules, relativities and supplementary rating information on behalf of its participating insurers.