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Standard Risk Rates

The 2021 Standard Risk Rates are to be used with effective dates between January 1, 2021 and December 31, 2021.

The 2020 Standard Risk Rates are to be used with effective dates between January 1, 2020 and December 31, 2020.

The 2018 Standard Risk Rates are to be used with effective dates between January 1, 2018 and December 31, 2018.

The 2016 Standard Risk Rates are to be used with effective dates between January 1, 2016 and December 31, 2016.

The 2015 Standard Risk Rates are to be used with effective dates between January 1, 2015 and December 31, 2015.

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.