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The personal worksheets I have seen do not match up with no rate increases on policies issued since these "rate stability regulations" have gone into effect.
It show rate increase on policy series that span years before and after they took effect.
That is a timing issue from what I can tell from my research so far.
When new regs go into effect, the carriers cant just suddenly issue new policy lines. So every state with the new regs has blocks of business from every carrier that are regulated under 2 different laws.
The state DOIs give guidance for carriers to follow for these blocks of business.
There are multiple options (4 or 5) but most just choose to include the policies issued after the new regs in with the old policies.
But when they choose to do this they must ensure that the rate increase under the old regs will satisfy the requirements for rate stability under the new regs if I remember correctly.