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Standard Risk Rates

The 2014 Standard Risk Rates are to be used with effective dates between January 1, 2014 and December 31, 2014.

The 2013 Standard Risk Rates are to be used with effective dates between January 1, 2013 and December 31, 2013.

The 2012 Standard Risk Rates are to be used with effective dates between January 24, 2012 and December 31, 2012.

The effective date is the first day the company intends to implement the rates and not the renewal date of an individual insured.