1. (1) the statistical credibility of incurred claims experience and earned premiums;
2. (2) the period for which rates are computed to provide coverage;
3. (3) experienced and projected trends;
4. (4) the concentration of experience within early policy duration;
5. (5) expected claim fluctuation;
6. (6) experienced refunds, adjustments, or dividends;
7. (7) renewability features;
8. (8) all appropriate expense factors;
9. (9) interest;
10. (10) the experimental nature of the coverage;
11. (11) policy reserves;
12. (12) the mix of business by risk classification; and
13. (13) product features, including long elimination periods, high deductibles, and high maximum limits.

In evaluating the expected and actual loss ratios, the Commissioner shall consider:

Added by Acts 1997, c. 35, § 2, eff. Oct. 1, 1997. Amended by Acts 2001, c. 329, § 1, eff. Oct. 1, 2001.

Formerly Art. 48A, § 647.3.