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Old 03-21-2018, 03:36 PM
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Smile New Product Filings w/ State

Anybody know of a good and free website or way to look up insurance regulations by state for filing new products? I know NILS is awesome but...my client doesn't have NILS. Anybody have any other ways they find this information easily?

Thanks!!
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Old 03-21-2018, 03:54 PM
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What kind of product?

For health related product, SERFF is a good start. https://login.serff.com/serff/signin.do

Also, State DOI's website is another source.
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Old 03-22-2018, 05:46 PM
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Yeah, State DOI

Although, there are a lot of documents and words. You have to be very specific in a google search to get what you want. Search engines on state websites are atrocious as well.

EX: I was looking for a group dental, aggregate stop loss, loss ratio regs for state XX and came up with nothing. So I had to, not make stuff up, but really read on and on and get guidance from others and communicate back an forth.

In the end, its actuary'ing.
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Old 03-23-2018, 10:39 AM
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Quote:
Originally Posted by LICENSED TO ILL View Post
Yeah, State DOI

Although, there are a lot of documents and words. You have to be very specific in a google search to get what you want. Search engines on state websites are atrocious as well.

EX: I was looking for a group dental, aggregate stop loss, loss ratio regs for state XX and came up with nothing. So I had to, not make stuff up, but really read on and on and get guidance from others and communicate back an forth.

In the end, its actuary'ing.
while a state regulation might not be specific to filing for coverages you mention, they often are listed separately as A&H and then referenced in that manner. I found for large group at least, that about half of the states require large group rate filings, although a few of these don't include stop loss in that definition. Call someone at the state DOI and ask
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Old 03-23-2018, 10:41 AM
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one other thing. if a new product that requires a new contract filing, often the requirements for the contract filing incorporate something referencing a group rate manual or table of rates or just actuarial statement/opinion.
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