Price risk to expected loss plus expense plus profit load against loss trend, not to the competitor, so growth doesn't grow a loss. Reach for this on any pricing question.
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---
name: price-to-rate-adequacy
description: "Price risk to expected loss plus expense plus profit load against loss trend, not to the competitor, so growth doesn't grow a loss. Reach for this on any pricing question."
---
# Skill: Price to rate adequacy
Matching a competitor into an inadequate rate grows into a loss; this prices to adequacy.
## Step 1 — Build the indicated rate
Expected loss + expense + profit load against current loss trend (§3 #2).
## Step 2 — Compare indicated vs filed
Surface the gap between the adequate rate and the rate in market.
## Step 3 — Test against loss trend
Stress the rate for frequency/severity trend (§3 #3).
## Step 4 — Decide deliberately
Recommend the rate action with the loss-ratio impact, as actuarial decision-support.
## Output
An indicated rate, the indicated-vs-filed gap, a trend stress, and a deliberate rate recommendation.
