Rates can only go up on entire classification of policyholders. Obviously, policies with very low rates will probably increase a lot sooner than policies with middle-of-the-road rates. Companies that practice competitive pricing, conservative underwriting and that are financially very strong have the best chance of holding down rates in the future. Conservative access to benefits such as the requirement in tax-qualified policies for a 90-day certification also plays a significant role in holding rates down.
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