Filing At A Glance - Consumer Watchdog
SERFF Tracking Number:FARM-125315809State:CaliforniaFirst Filing Company:Farmers Insurance Exchange, .State Tracking Number:07-6489;07-6490Company Tracking Number:HCA0703-105800, HCA0703-305800TOI:04.0 HomeownersSub-TOI:04.0000 Homeowners Sub-TOI CombinationsProduct Name:H-CA-2007-HO-FProject Name/Number:Homeowners Rate Revision/HCA0703-105800Filing at a GlanceCompanies: Farmers Insurance Exchange, Fire Insurance ExchangeProduct Name: H-CA-2007-HO-FSERFF Tr Num: FARM-125315809 State: CaliforniaTOI: 04.0 HomeownersSERFF Status: Pending IndustryState Tr Num: 07-6489;07-6490ResponseSub-TOI: 04.0000 Homeowners Sub-TOICo Tr Num: HCA0703-105800,State Status: AcceptedCombinationsHCA0703-305800Filing Type: RateCo Status:Reviewer(s): Polly Chan, Kam FongAuthors: Anahit Bekarian, Jeanette Disposition Date:Campion, Gayane Rupchian, MinaVillegas, Chris SalvaCruz, EdmondBalaianDate Submitted: 10/05/2007Disposition Status:Effective Date Requested (New): 03/16/2008Effective Date (New):Effective Date Requested (Renewal): 03/16/2008Effective Date (Renewal):General InformationProject Name: Homeowners Rate RevisionProject Number: HCA0703-105800Reference Organization: Not ApplicableReference Title: Not ApplicableFiling Status Changed: 10/11/2007State Status Changed: 10/17/2007Corresponding Filing Tracking Number:Status of Filing in Domicile: Not FiledDomicile Status Comments:Reference Number: Not ApplicableAdvisory Org. Circular: Not ApplicableDeemer Date: 12/18/2007Filing Description:Revisions to our Homeowners Multiple Peril program.Company and ContactFiling Contact InformationFeliksa Barran, Manager - BusinessFeliksa Barran@farmersinsurance.comImplementationCreated by SERFF on 10/29/2007 02:27 PM
SERFF Tracking Number:FARM-125315809State:CaliforniaFirst Filing Company:Farmers Insurance Exchange, .State Tracking Number:07-6489;07-6490Company Tracking Number:HCA0703-105800, HCA0703-305800TOI:04.0 HomeownersSub-TOI:04.0000 Homeowners Sub-TOI CombinationsProduct Name:H-CA-2007-HO-FProject Name/Number:Homeowners Rate Revision/HCA0703-1058004700 Wilshire Blvd.(323) 932-3056 [Phone]Los Angeles, CA 90010() -[FAX]Filing Company InformationFarmers Insurance ExchangeCoCode: 21652State of Domicile: California4680 Wilshire Blvd.Group Code: 212Company Type:Los Angeles, CA 90010Group Name:State ID Number: 24000(323) 932-3056 ext. [Phone]FEIN Number: 95-2575893---------Fire Insurance ExchangeCoCode: 21660State of Domicile: California4680 Wilshire Blvd.Group Code: 212Company Type:Los Angeles, CA 90010Group Name:State ID Number: 27500(323) 932-3056 ext. [Phone]FEIN Number: 95-6235715---------Created by SERFF on 10/29/2007 02:27 PM
SERFF Tracking Number:FARM-125315809State:CaliforniaFirst Filing Company:Farmers Insurance Exchange, .State Tracking Number:07-6489;07-6490Company Tracking Number:HCA0703-105800, HCA0703-305800TOI:04.0 HomeownersSub-TOI:04.0000 Homeowners Sub-TOI CombinationsProduct Name:H-CA-2007-HO-FProject Name/Number:Homeowners Rate Revision/HCA0703-105800Filing FeesFee Required?NoRetaliatory?NoFee Explanation:Per Company:NoCreated by SERFF on 10/29/2007 02:27 PM
SERFF Tracking Number:FARM-125315809State:CaliforniaFirst Filing Company:Farmers Insurance Exchange, .State Tracking Number:07-6489;07-6490Company Tracking Number:HCA0703-105800, HCA0703-305800TOI:04.0 HomeownersSub-TOI:04.0000 Homeowners Sub-TOI CombinationsProduct Name:H-CA-2007-HO-FProject Name/Number:Homeowners Rate Revision/HCA0703-105800Correspondence SummaryObjection Letters and Response LettersObjection LettersResponse LettersStatusCreated ByCreated On Date SubmittedRespondJesse Rivera10/11/2007Responded ByCreated OnDate Submitted10/11/2007immediatelyFiling NotesSubjectNote TypeCreated ByCreatedDate SubmittedOnObjection LetterNote To FilerJesse RiveraCreated by SERFF on 10/29/2007 02:27 PM10/11/2007 10/11/2007
SERFF Tracking Number:FARM-125315809State:CaliforniaFirst Filing Company:Farmers Insurance Exchange, .State Tracking Number:07-6489;07-6490Company Tracking Number:HCA0703-105800, HCA0703-305800TOI:04.0 HomeownersSub-TOI:04.0000 Homeowners Sub-TOI CombinationsProduct Name:H-CA-2007-HO-FProject Name/Number:Homeowners Rate Revision/HCA0703-105800Objection LetterObjection Letter StatusRespond immediatelyObjection Letter Date10/11/2007Submitted Date10/11/2007Respond By DateDear Feliksa Barran,Objection 1- Prior Approval Rate Application (Supporting Document)Comment: We are unable to accept your filing for review because the most recent last three data were not provided onpage 7 and 8. Please provide these ASAP.Sincerely,Jesse RiveraCreated by SERFF on 10/29/2007 02:27 PM
SERFF Tracking Number:FARM-125315809State:CaliforniaFirst Filing Company:Farmers Insurance Exchange, .State Tracking Number:07-6489;07-6490Company Tracking Number:HCA0703-105800, HCA0703-305800TOI:04.0 HomeownersSub-TOI:04.0000 Homeowners Sub-TOI CombinationsProduct Name:H-CA-2007-HO-FProject Name/Number:Homeowners Rate Revision/HCA0703-105800Note To FilerCreated By:Jesse Rivera on 10/11/2007 02:35 PMSubject:Objection LetterComments:Please disregard the objection letter I sent earlier.Created by SERFF on 10/29/2007 02:27 PM
SERFF Tracking Number:FARM-125315809State:CaliforniaFirst Filing Company:Farmers Insurance Exchange, .State Tracking Number:07-6489;07-6490Company Tracking Number:HCA0703-105800, HCA0703-305800TOI:04.0 HomeownersSub-TOI:04.0000 Homeowners Sub-TOI CombinationsProduct Name:H-CA-2007-HO-FProject Name/Number:Homeowners Rate Revision/HCA0703-105800Rate InformationRate data applies to filing.Filing Method:Prior ApprovalRate Change Type:IncreaseOverall Percentage of Last Rate Revision:-11.400%Effective Date of Last Rate Revision:06/16/2007Filing Method of Last Filing:Prior ApprovalCompany Rate InformationCompany Name:Overall %Overall % RateWritten# of m %Minimum %HoldersChange (whereChange (whereChange forAffected for s Insurance15.400%ExchangeFire Insurance Exchange 15.400%6.900% 1,174,71027,578 17,024,789%%6.900% 65,168,5981,050,415 944,472,433%%Overall Rate Information for Multiple Company FilingsOverall % Rate Indicated:15.400%Overall Percentage Rate Impact For This Filing:6.900%Effect of Rate Filing - Written Premium Change For This Program: 66,343,308Effect of Rate Filing - Number of Policyholders Affected:1077993Created by SERFF on 10/29/2007 02:27 PM
SERFF Tracking Number:FARM-125315809State:CaliforniaFirst Filing Company:Farmers Insurance Exchange, .State Tracking Number:07-6489;07-6490Company Tracking Number:HCA0703-105800, HCA0703-305800TOI:04.0 HomeownersSub-TOI:04.0000 Homeowners Sub-TOI CombinationsProduct Name:H-CA-2007-HO-FProject Name/Number:Homeowners Rate Revision/HCA0703-105800Rate/Rule ScheduleReview Status: Exhibit Name:Manual PagesRule # or Page Rate ActionPrevious State Filing Attachments#:Number:138, 139, 140,Replacement1803Created by SERFF on 10/29/2007 02:27 PMManual Pages.pdf
SERFF Tracking Number:FARM-125315809State:CaliforniaFirst Filing Company:Farmers Insurance Exchange, .State Tracking Number:07-6489;07-6490Company Tracking Number:HCA0703-105800, HCA0703-305800TOI:04.0 HomeownersSub-TOI:04.0000 Homeowners Sub-TOI CombinationsProduct Name:H-CA-2007-HO-FProject Name/Number:Homeowners Rate Revision/HCA0703-105800Supporting Document SchedulesReview Status:Bypassed -Name:Executive Compensation ReportBypass Reason:Not Applicable10/05/2007Comments:Review Status:Satisfied -Name:Prior Approval Rate Application10/05/2007Comments:Attachments:HO PriorApprovalRateApplication Pg 1 - 6.pdfHO PriorApprovalRateApplication Pg 7.pdfHO PriorApprovalRateApplication Pg 7a - 7d.pdfHO PriorApprovalRateApplication Pg 8 - 14C&more.pdfReview Status:Satisfied -Name:Cover Letter10/05/2007Comments:Attachment:CAHO CoverMemo.pdfReview Status:Satisfied -Name:Filing Memorandum10/05/2007Comments:Attachment:Filing Memorandum.pdfReview Status:Satisfied -Name:Exhibits10/05/2007Comments:Attachment:Filing Exhibits.pdfCreated by SERFF on 10/29/2007 02:27 PM
STATE OF CALIFORNIADEPARTMENT OF INSURANCE (CDI)Fire Insurance ExchangeHOMEOWNERS MULTIPLECompany NameLine of InsurancePRIOR APPROVAL RATE APPLICATIONCompleted by: L. WehmuellerYour File #:Date: 10/5/2007DEPARTMENT USE ONLYHCA0703-305800( 15 Characters Maximum)SERFFCD (plus 1 paper copy)Paper (1 original plus 1 copy)Does this filing include a variance request?Filing No.:YesSERFF No.:Is this a variance request submitted after the prior approval application toNowhich it applies?Date Filed:If yes, provide the applicable CDI File Number:Does this file contain group data?Compliance Date:YesDate Public Notified:[Note: Complete page 2 if this is a group filing]Deemer Date:Is this a specialty filing?Intake Analyst:NoBureau & Senior:Latest applicable CDI file number in this line, subline and/or program:06-8851/06-8852Group Filing:Company NameNoFire Insurance ExchangeX-Reference No.:NAIC Company Code21660RateNew ProgramRuleFormVariance% ChangeGroup Name Farmers Insurance GroupNAIC Group Code212Organized under the Laws of the State of4.0Line Code for this Line of Insurance:Line of Insurance:CaliforniaSublineHOMEOWNERS MULTIPLE PERILProgramHome Office 4680 Wilshire Boulevard, Los Angeles, CA 90010Name and Title of Contact PersonLynne Wehmueller, FCAS, MAAA; Staff ActuaryFax No.: (323) 932-3950Toll Free Phone No. (323) 932-3141Email Addresslynne wehmueller@farmersinsurance.comMailing Address4700 Wilshire Boulevard, Los Angeles, CA 90010I declare under penalty of perjury under the laws of the State of California, that the information filed is true, complete, and correAuthorized SignatureOctober 5, 2007(323) 932-3141Date of FilingTelephone NumberImportant note: Refer to CDI website at e-filings/for the most currentrate template and prior approval factors.08/20/07 Ed.Prior Approval Rate Application(General Information)Page 1
STATE OF CALIFORNIADEPARTMENT OF INSURANCE (CDI)Company NameLine of InsuranceFire Insurance ExchangeHOMEOWNERS MULTIPLE PERILINSURER GROUP MULTI-COMPANY FILINGFor private passenger auto insurance only, does CIC, 1861.16(c) apply?NoIf yes, please complete (Super Group) Exhibit 19.List each insurance company in alphabetical order.Company NameFarmers Insurance Exchange - HCA0703-105800CDI Filing No.( Department use only )NAIC Company CodeCompany Name21652Fire Insurance Exchange - HCA0703-305800CDI Filing No.( Department use only )NAIC Company CodeCompany Name21660CDI Filing No.( Department use only )NAIC Company CodeCompany NameCDI Filing No.( Department use only )NAIC Company CodeCompany NameCDI Filing No.( Department use only )NAIC Company CodeCompany NameCDI Filing No.( Department use only )NAIC Company CodeCompany NameCDI Filing No.( Department use only )NAIC Company CodeCompany NameCDI Filing No.( Department use only )NAIC Company CodeCompany NameCDI Filing No.( Department use only )NAIC Company CodeCompany NameCDI Filing No.( Department use only )NAIC Company Code08/20/07 Ed.Prior Approval Rate Application(Insurer Group Information)Page 2
STATE OF CALIFORNIADEPARTMENT OF INSURANCE (CDI)Company Name:Line of Insurance:Fire Insurance ExchangeHOMEOWNERS MULTIPLE PERILPROPERTY AND LIABILITY FILING SUBMISSION DATA SHEETThe purpose of this filing is as follows: (More than one may be marked )TYPE OF FILINGPRIOR APPROVAL RATE APPLICATIONPAGES and EXHIBITS REQUIREDNew Program ( Including adoption of advisory organization losscosts, forms and rules.)Pages 1 through 7, 10, 12, 13 & 14,plus exhibit 17Rates ( Including adoption of advisory organization loss costs. )Increase ratesPages 1 through 10, 13 & 14, plus exhibitsDecrease ratePages 1 through 10, 13 & 14, plus exhibitsZero Overall rate impactPages 1 through 10, 13 & 14, plus exhibitsFiled together with the prior approval application to whichit applies.Page 11 and exhibit 13Filed after the prior approval application to which it applies.Pages 1 through 6, 11, plus exhibit 13VarianceCoverage Forms ( Including adoption of advisory organization forms. )With rate impactPages 1 through 10, 12, 13 & 14 plus exhibitsWithout rate impactPages 1 through 5, 12Rules ( Including adoption of advisory organization rules. )With rate impactPages 1 through 10, 13 & 14 plus exhibitsWithout rate impactPages 1 through 5All Private Passenger Automobile class plans must be filed separatelyfrom the Prior Approval Rate Applications.08/20/07 Ed.Prior Approval Rate Application(Filing Data)Page 3
STATE OF CALIFORNIADEPARTMENT OF INSURANCE (CDI)Company Name: Fire Insurance ExchangeLine of Insurance: HOMEOWNERS MULTIPLE PERILPROPERTY AND LIABILITY FILING SUBMISSION DATA SHEET (Continued)Proposed Earned Premium Per Exposure:Proposed Overall Rate ChangeCOVERAGE#REF!6.9%INDICATEDCHANGE (%)PROPOSEDCHANGE (%)ADJUSTEDEARNED PREMIUM*PROJECTEDEARNED PREMIUM1.Protector 975.6.7.8.9.10.Total earned premium must include all income derived from miscellaneous fees and other charges.* Adjusted earned premium is the historical earned premium for the most recent year adjusted to the current rate level and trended tothe average date of loss of the proposed rating period.08/20/07 Ed.Prior Approval Rate Application(Filing Data Continued)Page 4
STATE OF CALIFORNIADEPARTMENT OF INSURANCE (CDI)Company Name: Fire Insurance ExchangeLine of Insurance: HOMEOWNERS MULTIPLE PERILFILING CHECKLISTUse this checklist to assemble a complete applicationPrior Approval Rate Application, Page 1Group Filing, Page 2Property and Liability Filing SubmissionData Sheet, Page 3Property and Liability Filing SubmissionData Sheet, Page 4Filing Checklist, Page 5Supporting Data Exhibits, Page 6Ratemaking Data and Template (s), Page 7Reconciliation of Direct Earned Premium, Page 8Additional Data Required by Statute, Page 9Miscellaneous Fees and Other Charges, Page 10Variance Request, Page 11Forms, Page 12Excluded Expenses, Page 13Projected Yield and Federal Income Tax Rate on Investment Income, Page 14Filing MemorandumSee the prior approval rate filing instructions regarding the following attachments.Printed Rate and Rule Manual PagesUnderwriting RulesForms (Attach all independent forms and list all advisory organization forms )Copies of Reinsurance Agreements( Applies only to Medical Malpractice with facultative reinsurance attachment points above one million dollars andEarthquake, where the cost of reinsurance is included in the rate development.)08/20/07 Ed.Prior Approval Rate Application(Filing Checklist)Page 5
STATE OF CALIFORNIADEPARTMENT OF INSURANCE (CDI)Company Name: Fire Insurance ExchangeLine of Insurance: HOMEOWNERS MULTIPLE PERILSUPPORTING DATA EXHIBITSUse this document to assemble a complete applicationExhibit 1:Filing HistoryExhibit 2:Rate Level HistoryExhibit 3:Policy Term DistributionExhibit 4:Premium Adjustment FactorExhibit 5:Premium Trend FactorExhibit 6:Miscellaneous Fees andOther ChargesExhibit 7:Loss and Defense & Cost Containment Expense( DCCE ) Development FactorsExhibit 8:Loss and DCCE TrendExhibit 9:Catastrophe AdjustmentExhibit 10:Credibility AdjustmentExhibit 11:Ancillary IncomeExhibit 12:Reinsurance Premium and RecoverablesExhibit 13:VarianceExhibit 14:Insurer's Ratemaking CalculationsExhibit 15:Rate DistributionExhibit 16:Rate Classification RelativitiesExhibit 17:New ProgramExhibit 18:Group FilingExhibit 19:Super Group Corporate Structure Verification (PPA only)Exhibit 20:08/20/07 Ed.Prior Approval Rate Application(Supporting Data Exhibits)Page 6
RATEMAKING DATA(Click to expand for more than 3 years; - to contract)Completed by#REF!Date Completed#REF!Company/Group #REF!4.0Line CodeLine Description HOMEOWNERS MULTIPLE PERILCoverageAll Coverages%Captive100.00%Marketing System:Prior Effective Date (current rates)Proposed Effective Date (new rates)CDI File Number (Department use only )%Independent (Must add up to 100%)6/16/20073/16/2008#REF!Does the data provided below reflect a Request for Variance? NoData below is:%DirectVariance #:Accident Year Data2nd Prior Fisca 1st Prior FiscalYearYear200520061 California Direct Written Premium2 California Direct Earned PremiumMost Recent Projected/ NewFiscal YearProgram*2007904,130,770945,595,4973 Premium Adjustment Factor (Developed in Exhibit 4)0.8864 Premium Trend Factor * (Developed in Exhibit 5)1.0345 Miscellaneous Fees and Flat Charges (Not included in Line 2;Developed in Exhibit 6)6 Earned Exposure Units7 Historic Losses1.51%1,195,988252,489,5608 Historic Defense and Cost Containment Expense (DCCE)4,534,7939 Loss Development Factor (Developed in Exhibit 7)1.35710 DCCE Development Factor (Developed in Exhibit 7)3.72411 Loss Trend Factor* (Developed in Exhibit 8)1.1637.08%12 DCCE Trend Factor* (Developed in Exhibit 8)1.1637.08%13 Catastrophe Adjustment Factor (Developed in Exh 9)1.24214 Credibility Factor for Losses & DCCE (Developed in Exhibit 10)100.00%15 Excluded Expense Factor (From Page 13)#REF!16 Ancillary Income (Developed in Exhibit 11)-17 Projected Federal Income Tax Rate on Investment Income (FromPage 14)18 Projected Yield (From Page 14)Complete 19, 20 & 21 For Earthquake and certain MedicalMalpractice with Reinsurance Only (see instructions)19 Direct Commissions20 Reinsurance Premium#REF!#REF!0.00%(Developed in Exhibit 12)21 Reinsurance Recoverables (Developed in Exhibit 12)Variance Change to Rate of Return (Must be accompanied byVariance Request, subject to approval by CDI)Variance Change to Efficiency Standard (Must be accompanied byVariance Request, subject to approval by CDI)*For all trend factors, the Projected Column should reflect the annualtrend expressed as a percentage.Complete green bordered boxes for New Programs only.08/20/07Prior Approval Rate Application(Ratemaking Data)Page 7
RATEMAKING DATA(Click to expand for more than 3 years; - to contract)Completed by#REF!Date Completed#REF!Company/Group #REF!4.0Line CodeLine Description HOMEOWNERS MULTIPLE PERILCoverageAll CoveragesMarketing System:Prior Effective Date (current rates)Proposed Effective Date (new rates)CDI File Number (Department use only )%Captive100.00%%Independent (Must add up to 100%)6/16/20073/16/2008#REF!Does the data provided below reflect a Request for Variance? YesData below is:%DirectVariance #:3A, 3BAccident Year Data2nd PriorFisca Year20051 California Direct Written Premium1st Prior Fiscal Most RecentYearFiscal Year20062007#REF!Projected/New Program*2 California Direct Earned Premium#REF!3 Premium Adjustment Factor (Developed in Exhibit 4)#REF!4 Premium Trend Factor * (Developed in Exhibit 5)#REF!5 Miscellaneous Fees and Flat Charges (Not included in Line 2;Developed in Exhibit 6)6 Earned Exposure Units#REF!#REF!7 Historic Losses#REF!8 Historic Defense and Cost Containment Expense (DCCE)#REF!9 Loss Development Factor (Developed in Exhibit 7)#REF!10 DCCE Development Factor (Developed in Exhibit 7)#REF!11 Loss Trend Factor* (Developed in Exhibit 8)#REF!#REF!12 DCCE Trend Factor* (Developed in Exhibit 8)#REF!#REF!13 Catastrophe Adjustment Factor (Developed in Exh 9)#REF!#REF!14 Credibility Factor for Losses & DCCE (Developed in Exhibit 10)#REF!15 Excluded Expense Factor (From Page 13)#REF!16 Ancillary Income (Developed in Exhibit 11)-17 Projected Federal Income Tax Rate on Investment Income (FromPage 14)18 Projected Yield (From Page 14)Complete 19, 20 & 21 For Earthquake and certain MedicalMalpractice with Reinsurance Only (see instructions)19 Direct Commissions20 Reinsurance Premium#REF!#REF!#REF!(Developed in Exhibit 12)21 Reinsurance Recoverables (Developed in Exhibit 12)Variance Change to Rate of Return (Must be accompanied byVariance Request, subject to approval by CDI)Variance Change to Efficiency Standard (Must be accompanied byVariance Request, subject to appr
Project Name: Homeowners Rate Revision Status of Filing in Domicile: Not Filed Project Number: HCA0703-105800 Domicile Status Comments: . Company Name Company Name Company Name NAIC Company Code CDI Filing No. ( Department use only ) NAIC Company Code CDI Filing No. (
Medical Malpractice Liability Rate/Rule Contact Person: Keith Fanning (217) 782-1792 Line(s) of Insurance/Business: . filing code 11.0030 Dentists – General Practice; filing code 11.0006 Dentists – Oral Surgeon; filing code 11.0007 . filing code 11.0015 Nursing Homes; filing code 11.0016 Occupational Therapy; filing code .
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Candidate Filing: Campaign Contact Information") Pay filing fee by credit card if filing online Pay filing fee by cash or check if filing in person or by mail made out to: Elections Reserve Fund . If a candidate needs to file a petition in lieu of the filing fee because they lack sufficient assets or income, contact our office.
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Filing at a Glance Company: Group Health Incorporated Product Name: GHI OFF Exchange Sm Grp State: New York TOI: H15G Group Health - Hospital/Surgical/Medical Expense Sub-TOI: H15G.003 Small Group Only Filing Type: Off Exchange NG Forms & Rates Date Submitted: 05/30/2013 SERFF Tr Num: GRPH-
Filing at a Glance Company: AAA Life Insurance Company Product Name: New Benefit Levels for Member Loyalty Travel Accident Insurance State: District of Columbia TOI: H02G Group Health - Accident Only Sub-TOI: H02G.000 Health - Accident Only Filing Type: Rate Date Submitted: 09/24/2013 SERFF
Filing at a Glance Company: Providence Health Plan Product Name: 90-day Discontinuance Filing_Providence_Portability_123113 State: Oregon TOI: H06 Health - Conversion Sub-TOI: H06.000 Health - Conversion Filing Type: Form Date Submitted: 08/16/2013 SERFF Tr Num: PROV-129121711 SERFF Status: Closed-Filed
There are three levels of classification: "TOP SECRET", "SECRET", and "CONFIDENTIAL." Information is classified only to protect the national security. To have access to classified information, a person must have a security clearance at an appropriate level and a need-to-know. 2 National Security Information National security information is marked to alert recipients about its .
