oregon mutual insurance company custom shield … · 2016-02-11 · oregon mutual insurance company...
TRANSCRIPT
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Advance Quoting Credit
Quoted Ahead Factor Coverage Mkt 5.0 Mkt 5.1 Mkt 5.3 Mkt 5.4
1-7 Days 1.00 BI $69.96 $57.70 $80.30 $109.16
1-7 Days 1.00 PD $60.78 $43.70 $85.85 $98.79
1-7 Days 1.00 PIP $70.11 $41.13 $132.19 $162.83
1-7 Days 1.00 UMBI $11.61 $11.72 $16.65 $22.47
1-7 Days 1.00 UMPD $1.59 $2.27 $2.61 $1.67
1-7 Days 1.00 COMP $50.45 $49.89 $77.40 $79.78
8-30 Days 0.98 COLL $139.38 $136.24 $259.54 $275.05
8-30 Days 0.98
8-30 Days 0.99
8-30 Days 1.00
8-30 Days 1.00
8-30 Days 1.00
31+ Days 0.96
31+ Days 0.97
31+ Days 0.98
31+ Days 0.99
31+ Days 0.99
31+ Days 1.00
Status BI PD PIP UMBI UMPD COMP COLL
N 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Y 1.030 1.030 1.030 1.030 1.030 1.030 1.030
Status BI PD PIP UMBI UMPD COMP COLL
N 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Y 0.95 0.95 0.95 0.95 0.95 0.95 0.95
BI PD PIP UMBI UMPD COMP COLL
$19.00 $10.00 $6.00 $6.00 $1.00 $6.00 $14.00
Usage BI PD PIP UMBI UMPD COMP COLL
Single Car 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Multi Car 0.85 0.85 0.85 0.85 0.85 0.85 0.85
Credit BI PD PIP UMBI UMPD COMP COLL
Y 0.920 0.900 0.880 1.000 1.000 0.881 0.880
N 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Second Renewal
Third Renewal
Fourth Renewal
Second Renewal
Third Renewal
Fifth Renewal
MULTI CAR DISCOUNT
Renewal Term
0
First Renewal
Second Renewal
Third Renewal
AFFINITY GROUP DISCOUNT RELATIVITIES
FIXED EXPENSE - PPV
Fourth Renewal
Fourth Renewal
Base Rates
FIVE YEAR EXPERIENCE CREDIT
Fifth Renewal
Fifth Renewal
0
First Renewal
0
First Renewal
ACCIDENT FORGIVENESS RELATIVITIES
March 2016 Oregon RF-1
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
LEVEL BI PD PIP UMBI UMPD COMP COLL
98 1.3500 1.3500 1.9000 1.3500 1.3500 1.3500 1.3500
99 1.4337 1.4455 2.0267 1.4337 1.4337 1.4455 1.4337
1 1.8841 1.9472 2.5529 1.8841 1.8841 1.9472 1.8841
2 1.6122 1.6428 2.3804 1.6122 1.6122 1.6428 1.6122
3 1.5127 1.5326 2.2196 1.5127 1.5127 1.5326 1.5127
4 1.4337 1.4455 2.0267 1.4337 1.4337 1.4455 1.4337
5 1.3749 1.3810 1.8571 1.3749 1.3749 1.3810 1.3749
6 1.3252 1.3265 1.7195 1.3252 1.3252 1.3265 1.3252
7 1.2858 1.2836 1.6146 1.2858 1.2858 1.2836 1.2858
8 1.2497 1.2443 1.5214 1.2497 1.2497 1.2443 1.2497
9 1.2186 1.2107 1.4437 1.2186 1.2186 1.2107 1.2186
10 1.1924 1.1823 1.3795 1.1924 1.1924 1.1823 1.1924
11 1.1667 1.1545 1.3182 1.1667 1.1667 1.1545 1.1667
12 1.1435 1.1295 1.2640 1.1435 1.1435 1.1295 1.1435
13 1.1245 1.1090 1.2206 1.1245 1.1245 1.1090 1.1245
14 1.1076 1.0909 1.1828 1.1076 1.1076 1.0909 1.1076
15 1.0910 1.0731 1.1461 1.0910 1.0910 1.0731 1.0910
16 1.0747 1.0556 1.1106 1.0747 1.0747 1.0556 1.0747
17 1.0586 1.0384 1.0762 1.0586 1.0586 1.0384 1.0586
18 1.0463 1.0252 1.0502 1.0463 1.0463 1.0252 1.0463
19 1.0341 1.0121 1.0248 1.0341 1.0341 1.0121 1.0341
20 1.0220 0.9993 1.0000 1.0220 1.0220 0.9993 1.0220
21 1.0118 0.9884 0.9792 1.0118 1.0118 0.9884 1.0118
22 1.0000 0.9758 0.9556 1.0000 1.0000 0.9758 1.0000
23 0.9917 0.9669 0.9390 0.9917 0.9917 0.9669 0.9917
24 0.9817 0.9564 0.9195 0.9817 0.9817 0.9564 0.9817
25 0.9735 0.9477 0.9036 0.9735 0.9735 0.9477 0.9735
26 0.9654 0.9391 0.8879 0.9654 0.9654 0.9391 0.9654
27 0.9574 0.9305 0.8725 0.9574 0.9574 0.9305 0.9574
28 0.9510 0.9238 0.8604 0.9510 0.9510 0.9238 0.9510
29 0.9430 0.9154 0.8455 0.9430 0.9430 0.9154 0.9430
30 0.9383 0.9103 0.8366 0.9383 0.9383 0.9103 0.9383
31 0.9305 0.9021 0.8221 0.9305 0.9305 0.9021 0.9305
32 0.9243 0.8955 0.8107 0.9243 0.9243 0.8955 0.9243
33 0.9181 0.8890 0.7995 0.9181 0.9181 0.8890 0.9181
34 0.9135 0.8841 0.7911 0.9135 0.9135 0.8841 0.9135
35 0.9074 0.8777 0.7801 0.9074 0.9074 0.8777 0.9074
36 0.9013 0.8713 0.7693 0.9013 0.9013 0.8713 0.9013
37 0.8968 0.8665 0.7613 0.8968 0.8968 0.8665 0.8968
38 0.8923 0.8618 0.7533 0.8923 0.8923 0.8618 0.8923
39 0.8878 0.8571 0.7455 0.8878 0.8878 0.8571 0.8878
40 0.8849 0.8539 0.7403 0.8849 0.8849 0.8539 0.8849
41 0.8804 0.8493 0.7325 0.8804 0.8804 0.8493 0.8804
42 0.8760 0.8446 0.7249 0.8760 0.8760 0.8446 0.8760
43 0.8716 0.8400 0.7173 0.8716 0.8716 0.8400 0.8716
44 0.8687 0.8369 0.7123 0.8687 0.8687 0.8369 0.8687
45 0.8643 0.8324 0.7049 0.8643 0.8643 0.8324 0.8643
Note: Mkt. 1 does not use insurance score relativities.
Mkt. 5.0
INSURANCE SCORE RELATIVITIES
RF-2 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
LEVEL BI PD PIP UMBI UMPD COMP COLL
46 0.8614 0.8293 0.7000 0.8614 0.8614 0.8293 0.8614
47 0.8571 0.8248 0.6927 0.8571 0.8571 0.8248 0.8571
48 0.8543 0.8218 0.6878 0.8543 0.8543 0.8218 0.8543
49 0.8514 0.8188 0.6831 0.8514 0.8514 0.8188 0.8514
50 0.8486 0.8158 0.6783 0.8486 0.8486 0.8158 0.8486
51 0.8471 0.8143 0.6759 0.8471 0.8471 0.8143 0.8471
52 0.8443 0.8113 0.6712 0.8443 0.8443 0.8113 0.8443
53 0.8415 0.8084 0.6665 0.8415 0.8415 0.8084 0.8415
54 0.8373 0.8040 0.6596 0.8373 0.8373 0.8040 0.8373
55 0.8345 0.8010 0.6550 0.8345 0.8345 0.8010 0.8345
56 0.8331 0.7996 0.6527 0.8331 0.8331 0.7996 0.8331
57 0.8303 0.7998 0.6481 0.8303 0.8303 0.7998 0.8303
58 0.8289 0.7998 0.6459 0.8289 0.8289 0.7998 0.8289
59 0.8261 0.8000 0.6414 0.8261 0.8261 0.8000 0.8261
60 0.8233 0.8002 0.6369 0.8233 0.8233 0.8002 0.8233
61 0.8220 0.8003 0.6347 0.8220 0.8220 0.8003 0.8220
62 0.8192 0.8005 0.6303 0.8192 0.8192 0.8005 0.8192
63 0.8178 0.8006 0.6281 0.8178 0.8178 0.8006 0.8178
64 0.8151 0.8008 0.6237 0.8151 0.8151 0.8008 0.8151
65 0.8137 0.8009 0.6215 0.8137 0.8137 0.8009 0.8137
66 0.8124 0.8010 0.6193 0.8124 0.8124 0.8010 0.8124
67 0.8110 0.8011 0.6172 0.8110 0.8110 0.8011 0.8110
68 0.8083 0.8013 0.6129 0.8083 0.8083 0.8013 0.8083
69 0.8056 0.8015 0.6086 0.8056 0.8056 0.8015 0.8056
70 0.8029 0.8017 0.6044 0.8029 0.8029 0.8017 0.8029
71 0.8016 0.8018 0.6022 0.8016 0.8016 0.8018 0.8016
72 0.7989 0.8020 0.5981 0.7989 0.7989 0.8020 0.7989
73 0.7975 0.8021 0.5960 0.7975 0.7975 0.8021 0.7975
74 0.7962 0.8021 0.5939 0.7962 0.7962 0.8021 0.7962
75 0.7935 0.8023 0.5897 0.7935 0.7935 0.8023 0.7935
76 0.7922 0.8024 0.5877 0.7922 0.7922 0.8024 0.7922
77 0.7896 0.8026 0.5836 0.7896 0.7896 0.8026 0.7896
78 0.7882 0.8027 0.5816 0.7882 0.7882 0.8027 0.7882
79 0.7856 0.8029 0.5775 0.7856 0.7856 0.8029 0.7856
80 0.7830 0.8031 0.5735 0.7830 0.7830 0.8031 0.7830
81 0.7804 0.8033 0.5695 0.7804 0.7804 0.8033 0.7804
82 0.7751 0.8037 0.5616 0.7751 0.7751 0.8037 0.7751
83 0.7712 0.8040 0.5557 0.7712 0.7712 0.8040 0.7712
84 0.7635 0.8045 0.5442 0.7635 0.7635 0.8045 0.7635
Note: Mkt. 1 does not use insurance score relativities.
Mkt. 5.0
INSURANCE SCORE RELATIVITIES (Cont.)
March 2016 Oregon RF-3
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
LEVEL BI PD PIP UMBI UMPD COMP COLL
98 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272
99 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 0.9878 0.9878 0.9649 0.9878 0.9878 0.9963 0.9921
3 0.9856 0.9856 0.9585 0.9856 0.9856 0.9956 0.9906
4 0.9670 0.9670 0.9052 0.9670 0.9670 0.9951 0.9895
5 0.9397 0.9397 0.8239 0.9397 0.9397 0.9877 0.9759
6 0.8989 0.8989 0.7088 0.8989 0.8989 0.9533 0.9393
7 0.8437 0.8437 0.5886 0.8437 0.8437 0.8878 0.8476
8 0.7647 0.7647 0.4705 0.7647 0.7647 0.8124 0.7327
9 0.6912 0.6912 0.3847 0.6912 0.6912 0.7340 0.6307
10 0.6267 0.6267 0.3244 0.6267 0.6267 0.6685 0.5506
11 0.5669 0.5669 0.2826 0.5669 0.5669 0.6155 0.4956
12 0.4973 0.4973 0.2359 0.4973 0.4973 0.4507 0.4390
Note: Mkt. 1 does not use insurance score relativities.
INSURANCE SCORE RELATIVITIES (Cont.)
Mkt. 5.3
RF-4 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
LEVEL BI PD PIP UMBI UMPD COMP COLL
98 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272
99 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 0.9878 0.9878 0.9649 0.9878 0.9878 0.9963 0.9921
3 0.9856 0.9856 0.9585 0.9856 0.9856 0.9956 0.9906
4 0.9670 0.9670 0.9052 0.9670 0.9670 0.9951 0.9895
5 0.9397 0.9397 0.8239 0.9397 0.9397 0.9877 0.9759
6 0.8989 0.8989 0.7088 0.8989 0.8989 0.9533 0.9393
7 0.8437 0.8437 0.5886 0.8437 0.8437 0.8878 0.8476
8 0.7647 0.7647 0.4705 0.7647 0.7647 0.8124 0.7327
9 0.6912 0.6912 0.3847 0.6912 0.6912 0.7340 0.6307
10 0.6267 0.6267 0.3244 0.6267 0.6267 0.6685 0.5506
11 0.5669 0.5669 0.2826 0.5669 0.5669 0.6155 0.4956
12 0.4973 0.4973 0.2359 0.4973 0.4973 0.4507 0.4390
Note: Mkt. 1 does not use insurance score relativities.
Mkt. 5.4
INSURANCE SCORE RELATIVITIES (Cont.)
March 2016 Oregon RF-5
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
CUSTOM SHIELD RELATIVITIES
LEVEL BI PD PIP UMBI UMPD COMP COLL
A 0.3350 0.3532 0.3763 0.3783 0.4687 0.9182 0.3532
B 0.3401 0.3584 0.3814 0.3834 0.4737 0.9192 0.3584
C 0.3499 0.3681 0.3912 0.3932 0.4830 0.9213 0.3681
D 0.3599 0.3782 0.4012 0.4032 0.4926 0.9233 0.3782
E 0.3698 0.3881 0.4111 0.4131 0.5020 0.9253 0.3881
F 0.3797 0.3979 0.4208 0.4228 0.5112 0.9272 0.3979
G 0.3897 0.4079 0.4308 0.4328 0.5206 0.9291 0.4079
H 0.3997 0.4179 0.4406 0.4426 0.5297 0.9309 0.4179
I 0.4099 0.4280 0.4507 0.4526 0.5391 0.9327 0.4280
J 0.4195 0.4376 0.4601 0.4621 0.5478 0.9344 0.4376
K 0.4298 0.4478 0.4702 0.4721 0.5571 0.9362 0.4478
L 0.4395 0.4573 0.4796 0.4815 0.5657 0.9378 0.4573
M 0.4498 0.4675 0.4896 0.4916 0.5749 0.9395 0.4675
N 0.4594 0.4770 0.4990 0.5009 0.5834 0.9411 0.4770
O 0.4697 0.4872 0.5090 0.5109 0.5924 0.9427 0.4872
P 0.4793 0.4967 0.5183 0.5201 0.6008 0.9442 0.4967
Q 0.4896 0.5068 0.5282 0.5300 0.6096 0.9458 0.5068
R 0.4995 0.5166 0.5378 0.5396 0.6182 0.9472 0.5166
S 0.5092 0.5261 0.5471 0.5489 0.6265 0.9487 0.5261
T 0.5196 0.5363 0.5570 0.5588 0.6353 0.9502 0.5363
U 0.5296 0.5462 0.5666 0.5684 0.6438 0.9516 0.5462
V 0.5393 0.5557 0.5759 0.5777 0.6520 0.9529 0.5557
W 0.5492 0.5654 0.5853 0.5871 0.6602 0.9543 0.5654
X 0.5593 0.5753 0.5949 0.5966 0.6686 0.9556 0.5753
Y 0.5695 0.5853 0.6047 0.6063 0.6770 0.9570 0.5853
Z 0.5794 0.5949 0.6140 0.6156 0.6851 0.9583 0.5949
AA 0.5894 0.6047 0.6235 0.6251 0.6933 0.9596 0.6047
AB 0.5990 0.6141 0.6325 0.6341 0.7011 0.9608 0.6141
AC 0.6094 0.6242 0.6423 0.6439 0.7095 0.9621 0.6242
AD 0.6193 0.6338 0.6516 0.6532 0.7175 0.9633 0.6338
AE 0.6294 0.6436 0.6611 0.6626 0.7255 0.9645 0.6436
AF 0.6390 0.6530 0.6701 0.6716 0.7332 0.9656 0.6530
AG 0.6493 0.6631 0.6798 0.6813 0.7414 0.9668 0.6631
AH 0.6592 0.6727 0.6891 0.6905 0.7493 0.9680 0.6727
AI 0.6693 0.6824 0.6985 0.6999 0.7571 0.9691 0.6824
AJ 0.6795 0.6923 0.7080 0.7093 0.7651 0.9703 0.6923
AK 0.6892 0.7017 0.7170 0.7183 0.7727 0.9714 0.7017
AL 0.6990 0.7112 0.7261 0.7274 0.7803 0.9724 0.7112
AM 0.7096 0.7215 0.7360 0.7372 0.7885 0.9736 0.7215
AN 0.7190 0.7306 0.7447 0.7459 0.7957 0.9746 0.7306
AO 0.7292 0.7405 0.7541 0.7553 0.8035 0.9756 0.7405
AP 0.7396 0.7505 0.7637 0.7648 0.8114 0.9767 0.7505
AQ 0.7494 0.7599 0.7727 0.7738 0.8188 0.9777 0.7599
AR 0.7593 0.7695 0.7818 0.7829 0.8263 0.9787 0.7695
AS 0.7693 0.7791 0.7910 0.7920 0.8338 0.9797 0.7791
AT 0.7794 0.7889 0.8004 0.8013 0.8414 0.9807 0.7889
AU 0.7897 0.7988 0.8098 0.8107 0.8491 0.9817 0.7988
RF-6 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
CUSTOM SHIELD RELATIVITIES (Cont.)
LEVEL BI PD PIP UMBI UMPD COMP COLL
AV 0.7993 0.8081 0.8186 0.8195 0.8563 0.9827 0.8081
AW 0.8091 0.8174 0.8275 0.8284 0.8635 0.9836 0.8174
AX 0.8198 0.8277 0.8373 0.8381 0.8714 0.9846 0.8277
AY 0.8297 0.8373 0.8464 0.8471 0.8787 0.9855 0.8373
AZ 0.8399 0.8470 0.8556 0.8563 0.8861 0.9865 0.8470
BA 0.8492 0.8560 0.8641 0.8648 0.8929 0.9873 0.8560
BB 0.8596 0.8659 0.8735 0.8741 0.9005 0.9883 0.8659
BC 0.8692 0.8751 0.8822 0.8828 0.9074 0.9891 0.8751
BD 0.8797 0.8852 0.8918 0.8924 0.9151 0.9900 0.8852
BE 0.8896 0.8946 0.9007 0.9012 0.9221 0.9909 0.8946
BF 0.8995 0.9041 0.9097 0.9101 0.9292 0.9918 0.9041
BG 0.9095 0.9137 0.9187 0.9192 0.9364 0.9926 0.9137
BH 0.9197 0.9234 0.9279 0.9283 0.9436 0.9935 0.9234
BI 0.9299 0.9332 0.9371 0.9375 0.9509 0.9943 0.9332
BJ 0.9394 0.9422 0.9456 0.9459 0.9576 0.9951 0.9422
BK 0.9499 0.9522 0.9551 0.9553 0.9650 0.9960 0.9522
BL 0.9595 0.9614 0.9637 0.9639 0.9717 0.9968 0.9614
BM 0.9702 0.9716 0.9733 0.9735 0.9792 0.9976 0.9716
BN 0.9800 0.9810 0.9821 0.9822 0.9861 0.9984 0.9810
BO 0.9900 0.9904 0.9910 0.9911 0.9930 0.9992 0.9904
BP 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
BQ 1.0101 1.0096 1.0091 1.0090 1.0070 1.0008 1.0096
BR 1.0204 1.0194 1.0182 1.0181 1.0141 1.0016 1.0194
BS 1.0297 1.0282 1.0265 1.0263 1.0205 1.0023 1.0282
BT 1.0401 1.0381 1.0358 1.0356 1.0276 1.0031 1.0381
BU 1.0507 1.0482 1.0452 1.0449 1.0348 1.0039 1.0482
BV 1.0603 1.0573 1.0537 1.0534 1.0414 1.0046 1.0573
BW 1.0699 1.0664 1.0623 1.0619 1.0479 1.0053 1.0664
BX 1.0808 1.0767 1.0719 1.0715 1.0553 1.0061 1.0767
BY 1.0906 1.0861 1.0806 1.0802 1.0620 1.0068 1.0861
BZ 1.1006 1.0955 1.0894 1.0889 1.0687 1.0075 1.0955
CA 1.1106 1.1050 1.0983 1.0977 1.0754 1.0082 1.1050
CB 1.1208 1.1146 1.1073 1.1066 1.0822 1.0089 1.1146
CC 1.1310 1.1243 1.1163 1.1156 1.0890 1.0097 1.1243
CD 1.1401 1.1329 1.1244 1.1236 1.0951 1.0103 1.1329
CE 1.1505 1.1427 1.1335 1.1327 1.1020 1.0110 1.1427
CF 1.1610 1.1527 1.1428 1.1419 1.1090 1.0117 1.1527
CG 1.1704 1.1615 1.1510 1.1501 1.1152 1.0124 1.1615
CH 1.1811 1.1716 1.1604 1.1595 1.1222 1.0131 1.1716
CI 1.1907 1.1807 1.1688 1.1678 1.1285 1.0137 1.1807
CJ 1.2003 1.1898 1.1773 1.1762 1.1349 1.0144 1.1898
CK 1.2113 1.2001 1.1869 1.1857 1.1420 1.0151 1.2001
CL 1.2211 1.2093 1.1954 1.1943 1.1484 1.0157 1.2093
CM 1.2310 1.2187 1.2041 1.2029 1.1549 1.0164 1.2187
CN 1.2410 1.2281 1.2128 1.2115 1.1613 1.0170 1.2281
CO 1.2510 1.2375 1.2216 1.2203 1.1679 1.0176 1.2375
CP 1.2612 1.2471 1.2304 1.2290 1.1744 1.0183 1.2471
March 2016 Oregon RF-7
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
CUSTOM SHIELD RELATIVITIES (Cont.)
LEVEL BI PD PIP UMBI UMPD COMP COLL
CQ 1.2714 1.2567 1.2393 1.2379 1.1810 1.0189 1.2567
CR 1.2817 1.2664 1.2483 1.2468 1.1876 1.0196 1.2664
CS 1.2921 1.2761 1.2574 1.2558 1.1943 1.0202 1.2761
CT 1.3012 1.2847 1.2653 1.2637 1.2001 1.0208 1.2847
CU 1.3118 1.2946 1.2745 1.2728 1.2069 1.0214 1.2946
CV 1.3211 1.3034 1.2825 1.2808 1.2128 1.0220 1.3034
CW 1.3318 1.3134 1.2918 1.2900 1.2196 1.0226 1.3134
CX 1.3412 1.3223 1.3000 1.2981 1.2256 1.0232 1.3223
CY 1.3521 1.3325 1.3094 1.3075 1.2324 1.0238 1.3325
CZ 1.3617 1.3414 1.3177 1.3157 1.2385 1.0244 1.3414
DA 1.3713 1.3505 1.3261 1.3240 1.2446 1.0250 1.3505
DB 1.3824 1.3609 1.3357 1.3335 1.2515 1.0256 1.3609
DC 1.3922 1.3701 1.3441 1.3419 1.2577 1.0262 1.3701
DD 1.4021 1.3793 1.3526 1.3504 1.2638 1.0267 1.3793
DE 1.4120 1.3886 1.3612 1.3589 1.2700 1.0273 1.3886
DF 1.4220 1.3980 1.3698 1.3674 1.2763 1.0279 1.3980
DG 1.4321 1.4074 1.3785 1.3761 1.2825 1.0284 1.4074
DH 1.4423 1.4169 1.3872 1.3847 1.2888 1.0290 1.4169
DI 1.4525 1.4264 1.3960 1.3934 1.2951 1.0296 1.4264
DJ 1.4628 1.4361 1.4048 1.4022 1.3015 1.0301 1.4361
DK 1.4731 1.4458 1.4137 1.4110 1.3079 1.0307 1.4458
DL 1.4821 1.4541 1.4214 1.4187 1.3134 1.0312 1.4541
DM 1.4926 1.4639 1.4304 1.4276 1.3198 1.0318 1.4639
DN 1.5032 1.4738 1.4394 1.4366 1.3263 1.0323 1.4738
DO 1.5123 1.4823 1.4472 1.4443 1.3319 1.0328 1.4823
DP 1.5230 1.4923 1.4564 1.4534 1.3384 1.0334 1.4923
DQ 1.5338 1.5023 1.4656 1.4626 1.3450 1.0340 1.5023
DR 1.5431 1.5110 1.4736 1.4705 1.3506 1.0345 1.5110
DS 1.5525 1.5198 1.4816 1.4784 1.3563 1.0349 1.5198
DT 1.5635 1.5300 1.4910 1.4877 1.3629 1.0355 1.5300
DU 1.5730 1.5388 1.4990 1.4957 1.3687 1.0360 1.5388
DV 1.5841 1.5492 1.5085 1.5052 1.3754 1.0366 1.5492
DW 1.5937 1.5582 1.5167 1.5133 1.3812 1.0371 1.5582
DX 1.6034 1.5672 1.5249 1.5214 1.3870 1.0376 1.5672
DY 1.6132 1.5762 1.5332 1.5296 1.3928 1.0380 1.5762
DZ 1.6246 1.5868 1.5429 1.5393 1.3996 1.0386 1.5868
EA 1.6345 1.5960 1.5513 1.5476 1.4055 1.0391 1.5960
EB 1.6444 1.6052 1.5597 1.5559 1.4114 1.0396 1.6052
EC 1.6544 1.6145 1.5682 1.5643 1.4174 1.0401 1.6145
ED 1.6644 1.6238 1.5767 1.5728 1.4233 1.0406 1.6238
EE 1.6745 1.6332 1.5852 1.5812 1.4293 1.0411 1.6332
EF 1.6847 1.6426 1.5938 1.5898 1.4353 1.0416 1.6426
EG 1.6949 1.6521 1.6025 1.5984 1.4413 1.0421 1.6521
EH 1.7052 1.6617 1.6112 1.6070 1.4474 1.0426 1.6617
EI 1.7138 1.6697 1.6184 1.6142 1.4525 1.0430 1.6697
EJ 1.7242 1.6793 1.6272 1.6229 1.4586 1.0435 1.6793
EK 1.7347 1.6890 1.6360 1.6317 1.4647 1.0439 1.6890
EL 1.7452 1.6988 1.6449 1.6405 1.4708 1.0444 1.6988
RF-8 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
CUSTOM SHIELD RELATIVITIES (Cont.)
LEVEL BI PD PIP UMBI UMPD COMP COLL
EM 1.7540 1.7069 1.6524 1.6478 1.4760 1.0449 1.7069
EN 1.7647 1.7168 1.6613 1.6567 1.4822 1.0453 1.7168
EO 1.7754 1.7267 1.6703 1.6657 1.4884 1.0458 1.7267
EP 1.7844 1.7350 1.6779 1.6731 1.4936 1.0463 1.7350
EQ 1.7952 1.7450 1.6870 1.6822 1.4999 1.0467 1.7450
ER 1.8061 1.7551 1.6961 1.6912 1.5062 1.0472 1.7551
ES 1.8153 1.7636 1.7038 1.6988 1.5115 1.0477 1.7636
ET 1.8263 1.7738 1.7130 1.7080 1.5178 1.0482 1.7738
EU 1.8355 1.7823 1.7208 1.7157 1.5232 1.0486 1.7823
EV 1.8448 1.7909 1.7285 1.7234 1.5285 1.0490 1.7909
EW 1.8560 1.8012 1.7379 1.7327 1.5349 1.0495 1.8012
EX 1.8654 1.8099 1.7458 1.7405 1.5403 1.0499 1.8099
EY 1.8767 1.8203 1.7552 1.7499 1.5468 1.0504 1.8203
EZ 1.8862 1.8291 1.7632 1.7577 1.5522 1.0508 1.8291
FA 1.8957 1.8379 1.7711 1.7656 1.5576 1.0512 1.8379
FB 1.9053 1.8467 1.7791 1.7736 1.5631 1.0516 1.8467
FC 1.9169 1.8574 1.7888 1.7831 1.5696 1.0521 1.8574
FD 1.9266 1.8663 1.7969 1.7911 1.5751 1.0525 1.8663
FE 1.9363 1.8753 1.8050 1.7992 1.5806 1.0530 1.8753
FF 1.9461 1.8843 1.8132 1.8073 1.5862 1.0534 1.8843
FG 1.9560 1.8934 1.8213 1.8154 1.5917 1.0538 1.8934
FH 1.9659 1.9025 1.8296 1.8236 1.5973 1.0542 1.9025
FI 1.9778 1.9135 1.8395 1.8334 1.6040 1.0547 1.9135
FJ 1.9878 1.9227 1.8478 1.8416 1.6096 1.0551 1.9227
FK 1.9978 1.9320 1.8562 1.8499 1.6153 1.0555 1.9320
FL 2.0283 1.9600 1.8814 1.8750 1.6323 1.0568 1.9600
FM 2.0780 2.0057 1.9226 1.9157 1.6599 1.0588 2.0057
FN 2.1289 2.0524 1.9646 1.9574 1.6880 1.0608 2.0524
FO 2.1789 2.0982 2.0058 1.9982 1.7153 1.0627 2.0982
FP 2.2301 2.1451 2.0478 2.0398 1.7431 1.0646 2.1451
FQ 2.2801 2.1909 2.0889 2.0805 1.7702 1.0665 2.1909
FR 2.3313 2.2376 2.1307 2.1219 1.7976 1.0683 2.2376
FS 2.3812 2.2832 2.1714 2.1623 1.8242 1.0701 2.2832
FT 2.4322 2.3297 2.2129 2.2034 1.8511 1.0719 2.3297
FU 2.4818 2.3748 2.2532 2.2432 1.8772 1.0736 2.3748
FV 2.5323 2.4209 2.2942 2.2838 1.9036 1.0752 2.4209
FW 2.5840 2.4678 2.3360 2.3252 1.9304 1.0769 2.4678
FX 2.6340 2.5132 2.3763 2.3651 1.9562 1.0786 2.5132
FY 2.6849 2.5595 2.4174 2.4058 1.9824 1.0802 2.5595
FZ 2.7341 2.6041 2.4569 2.4449 2.0075 1.0817 2.6041
GA 2.7871 2.6520 2.4994 2.4869 2.0343 1.0833 2.6520
GB 2.8381 2.6983 2.5403 2.5274 2.0601 1.0849 2.6983
GC 2.8872 2.7427 2.5795 2.5662 2.0847 1.0863 2.7427
GD 2.9372 2.7878 2.6194 2.6056 2.1096 1.0878 2.7878
GE 2.9880 2.8337 2.6598 2.6456 2.1349 1.0892 2.8337
GF 3.0397 2.8803 2.7009 2.6863 2.1604 1.0907 2.8803
GG 3.0891 2.9249 2.7401 2.7251 2.1847 1.0921 2.9249
GH 3.1394 2.9701 2.7800 2.7645 2.2092 1.0934 2.9701
March 2016 Oregon RF-9
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
CUSTOM SHIELD RELATIVITIES (Cont.)
LEVEL BI PD PIP UMBI UMPD COMP COLL
GI 3.1905 3.0161 2.8204 2.8044 2.2341 1.0948 3.0161
GJ 3.2424 3.0628 2.8613 2.8450 2.2592 1.0962 3.0628
GK 3.2918 3.1072 2.9003 2.8835 2.2830 1.0975 3.1072
GL 3.3420 3.1523 2.9398 2.9225 2.3071 1.0988 3.1523
GM 3.3930 3.1980 2.9798 2.9621 2.3314 1.1001 3.1980
GN 3.4447 3.2444 3.0204 3.0022 2.3560 1.1014 3.2444
GO 3.4973 3.2914 3.0615 3.0429 2.3808 1.1027 3.2914
GP 3.5470 3.3360 3.1004 3.0813 2.4042 1.1039 3.3360
GQ 3.5974 3.3811 3.1398 3.1202 2.4279 1.1051 3.3811
GR 3.6486 3.4268 3.1797 3.1596 2.4517 1.1064 3.4268
GS 3.7005 3.4732 3.2201 3.1996 2.4758 1.1076 3.4732
GT 3.7494 3.5168 3.2580 3.2371 2.4984 1.1087 3.5168
GU 3.7989 3.5610 3.2964 3.2750 2.5213 1.1098 3.5610
GV 3.8529 3.6092 3.3383 3.3164 2.5460 1.1111 3.6092
GW 3.9038 3.6545 3.3777 3.3553 2.5693 1.1122 3.6545
GX 3.9513 3.6968 3.4144 3.3916 2.5909 1.1133 3.6968
GY 4.0035 3.7433 3.4547 3.4314 2.6146 1.1144 3.7433
GZ 4.0563 3.7903 3.4954 3.4716 2.6384 1.1155 3.7903
RF-10 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
25/50 1.000 20,000 0.970 15,000 0.960 25/50 1.000 20,000 1.670
50/100 1.220 25,000 1.000 25,000 1.000 50/100 1.600 25,000 2.000
100* 1.420 50,000 1.060 35,000 1.350 100* 1.820 50,000 2.500
100/300 1.500 100,000 1.080 50,000 1.579 100/300 1.950 100,000 3.000
300* 1.820 300,000* 1.100 300* 2.410
250/500 1.880 500,000* 1.110 250/500 2.190
500* 1.980 1,000,000* 1.140 500* 2.740
500/1000 2.200 500/1000 2.870
1000* 2.380 1000* 3.050
Factor Factor
1.00 0.97
0.85 1.00
Package Policy Credit
BI PD PIP UMBI UMPD COMP COLL
MHO w or w/o Umbrella 1.00 1.00 1.00 1.00 1.00 1.00 1.00
HO 3 & 5 w/o Umbrella 0.84 0.84 0.84 0.84 0.84 0.84 0.84
HO 3 & 5 w/ Umbrella 0.82 0.82 0.82 0.82 0.82 0.82 0.82
HO 6 w/o Umbrella 0.86 0.86 0.86 0.86 0.86 0.86 0.86
HO 6 w/ Umbrella 0.84 0.84 0.84 0.84 0.84 0.84 0.84
HO 4 w/o Umbrella 0.92 0.92 0.92 0.92 0.92 0.92 0.92
HO 4 w /Umbrella 0.90 0.90 0.90 0.90 0.90 0.90 0.90
No Pkg 1.00 1.00 1.00 1.00 1.00 1.00 1.00
BI PD PIP UMBI UMPD COMP COLL
N 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Y 1.07 1.07 1.07 1.07 1.07 1.07 1.07
Persistency Credit
Yrs w/OMI Factor Yrs w/OMI Factor
0 1.00 6 0.94
1-2 0.98 7 0.93
3 0.97 8 0.92
4 0.96 9 0.91
5 0.95 10+ 0.90
Not Deployed
Deployed
Military Deployment Credit
Status
PERMISSIVE USER RELATIVITIES
CSL Apply to BI & PD Only
Discount
Y
N
*Displayed for use in computing Combined Single Limit coverages only - not available as a
multiple limit option.
LIMIT RELATIVITIES
PIP UMBI UMPDBI PD
March 2016 Oregon RF-11
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Decoder Prior Carrier Limits Decoder Prior Policy Type1 Prior coverage - Standard Carrier
2 Prior coverage - Non-Standard Carrier
3 No Prior coverage (i.e., prior insurance cancelled or
4 No Need for Prior Coverage
Decoder Prior Days Lapsed
Prior Carrier Days Lapsed
Days BI PD PIP UMBI UMPD COMP COLL
0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
2 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
3 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
4 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
5 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
6 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
7 + 1.2500 1.2500 1.2500 1.2500 1.2500 1.2500 1.2500
Prior Carrier Limits
Limit Code BI PD PIP UMBI UMPD COMP COLL
0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
50 1.2000 1.2200 1.2200 1.2200 1.2200 1.1200 1.1200
100 1.1000 1.1000 1.1000 1.1000 1.1000 1.0400 1.0400
300 1.0000 1.0000 1.0000 1.0000 1.0000 0.9600 0.9600
500 0.9400 0.9000 0.9000 0.9000 0.9000 0.9200 0.9200
600 1.1500 1.1500 1.1500 1.1500 1.1500 1.1000 1.1000
700 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
800 0.9400 0.9000 0.9000 0.9000 0.9000 0.9000 0.9000
900 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Carrier Policy Type
BI PD PIP UMBI UMPD COMP COLL
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.4000 1.4000 1.4000 1.4000 1.4000 1.4000 1.4000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
No Prior//No Need
0 is No Prior Limit
50 is <50/100
100 is >=50/100 & <100/300
700 is >=100 CSL & <300 CSL
800 is >=300 CSL
600 is<100 CSL
900 is No Prior, No Need
Prior Cov Standard Assumed
lapsed, or uninsured)300 is 100/300
500 is >100/300
Type
Prior Standard
Prior Non-Standard
This is the number of days between the EXPIRATION of
prior insurance coverage and Quote EFFECTIVE date.
No Prior
RF-12 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
No Prior 3 1.0000 1.0000 1.0000 1.0000 1.0000
No Prior No Need 4 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse >6 days 1 >6 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 12 17 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 18 23 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 24 35 0.9800 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
No Prior 3 1.0000 1.0000 1.0000 1.0000 1.0000
No Prior No Need 4 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse >6 days 1 >6 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
March 2016 Oregon RF-13
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - no lapse 1 0 100 36 47 0.9500 0.9600 0.9700 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 48 9999 0.9000 0.9200 0.9500 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 12 17 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 18 23 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 24 35 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 36 47 0.9500 0.9600 0.9700 0.9800 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - no lapse 1 0 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-14 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - no lapse 1 0 600 48 9999 0.9000 0.9200 0.9500 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - no lapse 1 0 600 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
March 2016 Oregon RF-15
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-16 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
March 2016 Oregon RF-17
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse >6 days 2 >6 0 0 0 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse >6 days 2 >6 0 0 0 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-18 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - no lapse 2 0 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 12 17 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 18 23 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 24 35 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 36 47 0.9300 0.9600 0.9700 0.9800 0.9900
Time with Prior Carrier - STD - no lapse 2 0 100 48 9999 0.8500 0.8800 0.9000 0.9200 0.9400
Time with Prior Carrier - STD - no lapse 2 0 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 300 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - no lapse 2 0 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 100 48 9999 0.9600 0.9800 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
March 2016 Oregon RF-19
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - no lapse 2 0 300 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 300 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 300 36 47 0.9100 0.9400 0.9600 0.9700 0.9800
Time with Prior Carrier - STD - no lapse 2 0 300 48 9999 0.8200 0.8500 0.8700 0.8900 0.9100
Time with Prior Carrier - STD - no lapse 2 0 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 36 47 0.9100 0.9400 0.9600 0.9700 0.9800
Time with Prior Carrier - STD - no lapse 2 0 500 48 9999 0.8200 0.8500 0.8700 0.8900 0.9100
Time with Prior Carrier - STD - no lapse 2 0 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 12 17 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 18 23 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 24 35 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 36 47 0.9300 0.9600 0.9700 0.9800 0.9900
Time with Prior Carrier - STD - no lapse 2 0 600 48 9999 0.8500 0.8800 0.9000 0.9200 0.9400
Time with Prior Carrier - STD - no lapse 2 0 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 700 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 700 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - no lapse 2 0 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 300 36 47 0.9900 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 300 48 9999 0.9300 0.9500 0.9700 0.9900 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 36 47 0.9900 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 500 48 9999 0.9300 0.9500 0.9700 0.9900 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 600 48 9999 0.9600 0.9800 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-20 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - no lapse 2 0 700 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 700 36 47 0.9100 0.9400 0.9600 0.9700 0.9800
Time with Prior Carrier - STD - no lapse 2 0 700 48 9999 0.8200 0.8500 0.8700 0.8900 0.9100
Time with Prior Carrier - STD - no lapse 2 0 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 36 47 0.9100 0.9400 0.9600 0.9700 0.9800
Time with Prior Carrier - STD - no lapse 2 0 800 48 9999 0.8200 0.8500 0.8700 0.8900 0.9100
Time with Prior Carrier - STD - no lapse 2 0 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - no lapse 2 0 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 700 36 47 0.9900 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 700 48 9999 0.9300 0.9500 0.9700 0.9900 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 36 47 0.9900 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 800 48 9999 0.9300 0.9500 0.9700 0.9900 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 2 0 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
March 2016 Oregon RF-21
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 100 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-22 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 300 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 500 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 600 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 700 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
March 2016 Oregon RF-23
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 800 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 2 1 to 6 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-24 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
A 15 0.7490 W 16 0.9941
B 15 0.8046 X 16 0.9949
C 15 0.8284 Y 16 0.9957
D 15 0.8491 Z 16 0.9964
E 15 0.8656 AA 16 0.9972
F 15 0.8804 AB 16 1.0000
G 15 0.8926 A 17 0.7490
H 15 0.9044 B 17 0.8046
I 15 0.9149 C 17 0.8284
J 15 0.9241 D 17 0.8491
K 15 0.9334 E 17 0.8656
L 15 0.9420 F 17 0.8804
M 15 0.9493 G 17 0.8926
N 15 0.9559 H 17 0.9044
O 15 0.9625 I 17 0.9149
P 15 0.9692 J 17 0.9241
Q 15 0.9760 K 17 0.9334
R 15 0.9812 L 17 0.9420
S 15 0.9865 M 17 0.9493
T 15 0.9918 N 17 0.9559
U 15 0.9926 O 17 0.9625
V 15 0.9934 P 17 0.9692
W 15 0.9941 Q 17 0.9760
X 15 0.9949 R 17 0.9812
Y 15 0.9957 S 17 0.9865
Z 15 0.9964 T 17 0.9918
AA 15 0.9972 U 17 0.9926
AB 15 1.0000 V 17 0.9934
A 16 0.7490 W 17 0.9941
B 16 0.8046 X 17 0.9949
C 16 0.8284 Y 17 0.9957
D 16 0.8491 Z 17 0.9964
E 16 0.8656 AA 17 0.9972
F 16 0.8804 AB 17 1.0000
G 16 0.8926 A 18 0.7490
H 16 0.9044 B 18 0.8046
I 16 0.9149 C 18 0.8284
J 16 0.9241 D 18 0.8491
K 16 0.9334 E 18 0.8656
L 16 0.9420 F 18 0.8804
M 16 0.9493 G 18 0.8926
N 16 0.9559 H 18 0.9044
O 16 0.9625 I 18 0.9149
P 16 0.9692 J 18 0.9241
Q 16 0.9760 K 18 0.9334
R 16 0.9812 L 18 0.9420
S 16 0.9865 M 18 0.9493
T 16 0.9918 N 18 0.9559
U 16 0.9926 O 18 0.9625
V 16 0.9934 P 18 0.9692
Score x Maximum Age
March 2016 Oregon RF-25
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
Q 18 0.9760 K 20 0.9334
R 18 0.9812 L 20 0.9420
S 18 0.9865 M 20 0.9493
T 18 0.9918 N 20 0.9559
U 18 0.9926 O 20 0.9625
V 18 0.9934 P 20 0.9692
W 18 0.9941 Q 20 0.9760
X 18 0.9949 R 20 0.9812
Y 18 0.9957 S 20 0.9865
Z 18 0.9964 T 20 0.9918
AA 18 0.9972 U 20 0.9926
AB 18 1.0000 V 20 0.9934
A 19 0.7490 W 20 0.9941
B 19 0.8046 X 20 0.9949
C 19 0.8284 Y 20 0.9957
D 19 0.8491 Z 20 0.9964
E 19 0.8656 AA 20 0.9972
F 19 0.8804 AB 20 1.0000
G 19 0.8926 A 21 0.7490
H 19 0.9044 B 21 0.8046
I 19 0.9149 C 21 0.8284
J 19 0.9241 D 21 0.8491
K 19 0.9334 E 21 0.8656
L 19 0.9420 F 21 0.8804
M 19 0.9493 G 21 0.8926
N 19 0.9559 H 21 0.9044
O 19 0.9625 I 21 0.9149
P 19 0.9692 J 21 0.9241
Q 19 0.9760 K 21 0.9334
R 19 0.9812 L 21 0.9420
S 19 0.9865 M 21 0.9493
T 19 0.9918 N 21 0.9559
U 19 0.9926 O 21 0.9625
V 19 0.9934 P 21 0.9692
W 19 0.9941 Q 21 0.9760
X 19 0.9949 R 21 0.9812
Y 19 0.9957 S 21 0.9865
Z 19 0.9964 T 21 0.9918
AA 19 0.9972 U 21 0.9926
AB 19 1.0000 V 21 0.9934
A 20 0.7490 W 21 0.9941
B 20 0.8046 X 21 0.9949
C 20 0.8284 Y 21 0.9957
D 20 0.8491 Z 21 0.9964
E 20 0.8656 AA 21 0.9972
F 20 0.8804 AB 21 1.0000
G 20 0.8926 A 22 0.7657
H 20 0.9044 B 22 0.8176
I 20 0.9149 C 22 0.8398
J 20 0.9241 D 22 0.8592
Score x Maximum Age
RF-26 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
E 22 0.8746 AA 23 0.9976
F 22 0.8884 AB 23 1.0000
G 22 0.8998 A 24 0.7992
H 22 0.9108 B 24 0.8437
I 22 0.9206 C 24 0.8627
J 22 0.9292 D 24 0.8793
K 22 0.9378 E 24 0.8925
L 22 0.9459 F 24 0.9043
M 22 0.9527 G 24 0.9141
N 22 0.9588 H 24 0.9235
O 22 0.9650 I 24 0.9319
P 22 0.9713 J 24 0.9393
Q 22 0.9776 K 24 0.9467
R 22 0.9825 L 24 0.9536
S 22 0.9874 M 24 0.9594
T 22 0.9923 N 24 0.9647
U 22 0.9931 O 24 0.9700
V 22 0.9938 P 24 0.9754
W 22 0.9945 Q 24 0.9808
X 22 0.9952 R 24 0.9850
Y 22 0.9960 S 24 0.9892
Z 22 0.9966 T 24 0.9934
AA 22 0.9974 U 24 0.9941
AB 22 1.0000 V 24 0.9947
A 23 0.7825 W 24 0.9953
B 23 0.8307 X 24 0.9959
C 23 0.8513 Y 24 0.9966
D 23 0.8692 Z 24 0.9971
E 23 0.8835 AA 24 0.9978
F 23 0.8963 AB 24 1.0000
G 23 0.9069 A 25 0.8159
H 23 0.9171 B 25 0.8567
I 23 0.9262 C 25 0.8742
J 23 0.9342 D 25 0.8893
K 23 0.9423 E 25 0.9014
L 23 0.9497 F 25 0.9123
M 23 0.9561 G 25 0.9212
N 23 0.9618 H 25 0.9299
O 23 0.9675 I 25 0.9376
P 23 0.9733 J 25 0.9443
Q 23 0.9792 K 25 0.9512
R 23 0.9837 L 25 0.9575
S 23 0.9883 M 25 0.9628
T 23 0.9929 N 25 0.9677
U 23 0.9936 O 25 0.9725
V 23 0.9943 P 25 0.9774
W 23 0.9949 Q 25 0.9824
X 23 0.9956 R 25 0.9862
Y 23 0.9963 S 25 0.9901
Z 23 0.9969 T 25 0.9940
Score x Maximum Age
March 2016 Oregon RF-27
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
U 25 0.9946 O 27 0.9775
V 25 0.9952 P 27 0.9815
W 25 0.9957 Q 27 0.9856
X 25 0.9963 R 27 0.9887
Y 25 0.9968 S 27 0.9919
Z 25 0.9974 T 27 0.9951
AA 25 0.9979 U 27 0.9956
AB 25 1.0000 V 27 0.9960
A 26 0.8327 W 27 0.9965
B 26 0.8697 X 27 0.9969
C 26 0.8856 Y 27 0.9974
D 26 0.8994 Z 27 0.9978
E 26 0.9104 AA 27 0.9983
F 26 0.9203 AB 27 1.0000
G 26 0.9284 A 28 0.8661
H 26 0.9363 B 28 0.8958
I 26 0.9433 C 28 0.9085
J 26 0.9494 D 28 0.9195
K 26 0.9556 E 28 0.9283
L 26 0.9613 F 28 0.9362
M 26 0.9662 G 28 0.9427
N 26 0.9706 H 28 0.9490
O 26 0.9750 I 28 0.9546
P 26 0.9795 J 28 0.9595
Q 26 0.9840 K 28 0.9645
R 26 0.9875 L 28 0.9691
S 26 0.9910 M 28 0.9730
T 26 0.9945 N 28 0.9765
U 26 0.9951 O 28 0.9800
V 26 0.9956 P 28 0.9836
W 26 0.9961 Q 28 0.9872
X 26 0.9966 R 28 0.9900
Y 26 0.9971 S 28 0.9928
Z 26 0.9976 T 28 0.9956
AA 26 0.9981 U 28 0.9961
AB 26 1.0000 V 28 0.9965
A 27 0.8494 W 28 0.9969
B 27 0.8828 X 28 0.9973
C 27 0.8970 Y 28 0.9977
D 27 0.9095 Z 28 0.9981
E 27 0.9194 AA 28 0.9985
F 27 0.9282 AB 28 1.0000
G 27 0.9356 A 29 0.8829
H 27 0.9426 B 29 0.9088
I 27 0.9489 C 29 0.9199
J 27 0.9545 D 29 0.9296
K 27 0.9600 E 29 0.9373
L 27 0.9652 F 29 0.9442
M 27 0.9696 G 29 0.9499
N 27 0.9735 H 29 0.9554
Score x Maximum Age
RF-28 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
I 29 0.9603 C 31 0.9428
J 29 0.9646 D 31 0.9497
K 29 0.9689 E 31 0.9552
L 29 0.9729 F 31 0.9601
M 29 0.9763 G 31 0.9642
N 29 0.9794 H 31 0.9681
O 29 0.9825 I 31 0.9716
P 29 0.9856 J 31 0.9747
Q 29 0.9888 K 31 0.9778
R 29 0.9912 L 31 0.9807
S 29 0.9937 M 31 0.9831
T 29 0.9962 N 31 0.9853
U 29 0.9965 O 31 0.9875
V 29 0.9969 P 31 0.9897
W 29 0.9972 Q 31 0.9920
X 29 0.9976 R 31 0.9937
Y 29 0.9980 S 31 0.9955
Z 29 0.9983 T 31 0.9973
AA 29 0.9987 U 31 0.9975
AB 29 1.0000 V 31 0.9978
A 30 0.8996 W 31 0.9980
B 30 0.9218 X 31 0.9983
C 30 0.9314 Y 31 0.9986
D 30 0.9396 Z 31 0.9988
E 30 0.9462 AA 31 0.9991
F 30 0.9522 AB 31 1.0000
G 30 0.9570 A 32 0.9331
H 30 0.9618 B 32 0.9479
I 30 0.9660 C 32 0.9542
J 30 0.9696 D 32 0.9598
K 30 0.9734 E 32 0.9642
L 30 0.9768 F 32 0.9681
M 30 0.9797 G 32 0.9714
N 30 0.9824 H 32 0.9745
O 30 0.9850 I 32 0.9773
P 30 0.9877 J 32 0.9798
Q 30 0.9904 K 32 0.9822
R 30 0.9925 L 32 0.9845
S 30 0.9946 M 32 0.9865
T 30 0.9967 N 32 0.9882
U 30 0.9970 O 32 0.9900
V 30 0.9974 P 32 0.9918
W 30 0.9976 Q 32 0.9936
X 30 0.9980 R 32 0.9950
Y 30 0.9983 S 32 0.9964
Z 30 0.9986 T 32 0.9978
AA 30 0.9989 U 32 0.9980
AB 30 1.0000 V 32 0.9982
A 31 0.9163 W 32 0.9984
B 31 0.9349 X 32 0.9986
Score x Maximum Age
March 2016 Oregon RF-29
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
Y 32 0.9989 S 34 0.9982
Z 32 0.9990 T 34 0.9989
AA 32 0.9993 U 34 0.9990
AB 32 1.0000 V 34 0.9991
A 33 0.9498 W 34 0.9992
B 33 0.9609 X 34 0.9993
C 33 0.9657 Y 34 0.9994
D 33 0.9698 Z 34 0.9995
E 33 0.9731 AA 34 0.9996
F 33 0.9761 AB 34 1.0000
G 33 0.9785 A 35 0.9833
H 33 0.9809 B 35 0.9870
I 33 0.9830 C 35 0.9886
J 33 0.9848 D 35 0.9899
K 33 0.9867 E 35 0.9910
L 33 0.9884 F 35 0.9920
M 33 0.9899 G 35 0.9928
N 33 0.9912 H 35 0.9936
O 33 0.9925 I 35 0.9943
P 33 0.9938 J 35 0.9949
Q 33 0.9952 K 35 0.9956
R 33 0.9962 L 35 0.9961
S 33 0.9973 M 35 0.9966
T 33 0.9984 N 35 0.9971
U 33 0.9985 O 35 0.9975
V 33 0.9987 P 35 0.9979
W 33 0.9988 Q 35 0.9984
X 33 0.9990 R 35 0.9987
Y 33 0.9991 S 35 0.9991
Z 33 0.9993 T 35 0.9995
AA 33 0.9994 U 35 0.9995
AB 33 1.0000 V 35 0.9996
A 34 0.9665 W 35 0.9996
B 34 0.9739 X 35 0.9997
C 34 0.9771 Y 35 0.9997
D 34 0.9799 Z 35 0.9998
E 34 0.9821 AA 35 0.9998
F 34 0.9841 AB 35 1.0000
G 34 0.9857 A >=36 1.0000
H 34 0.9873 B >=36 1.0000
I 34 0.9887 C >=36 1.0000
J 34 0.9899 D >=36 1.0000
K 34 0.9911 E >=36 1.0000
L 34 0.9923 F >=36 1.0000
M 34 0.9932 G >=36 1.0000
N 34 0.9941 H >=36 1.0000
O 34 0.9950 I >=36 1.0000
P 34 0.9959 J >=36 1.0000
Q 34 0.9968 K >=36 1.0000
R 34 0.9975 L >=36 1.0000
Score x Maximum Age
RF-30 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
M >=36 1.0000
N >=36 1.0000
O >=36 1.0000
P >=36 1.0000
Q >=36 1.0000
R >=36 1.0000
S >=36 1.0000
T >=36 1.0000
U >=36 1.0000
V >=36 1.0000
W >=36 1.0000
X >=36 1.0000
Y >=36 1.0000
Z >=36 1.0000
AA >=36 1.0000
AB >=36 1.0000
Score x Maximum Age
March 2016 Oregon RF-31
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATIING FACTORS
DRIVER RATING FACTORS
Single Male Single Female
AGE BI PD PIP UMBI UMPD COMP COLL BI PD PIP UMBI UMPD COMP COLL
15 3.8260 3.6700 1.8230 3.8260 2.8790 0.9200 2.8790 3.2690 3.2490 2.1880 3.2690 2.5960 0.7910 2.5960
16 3.8260 3.6700 1.8230 3.8260 2.8790 0.9200 2.8790 3.2690 3.2490 2.1880 3.2690 2.5960 0.7910 2.5960
17 3.3720 3.2120 1.5460 3.3720 2.6220 0.9450 2.6220 2.9000 2.8560 1.8750 2.9000 2.3530 0.8160 2.3530
18 2.8740 2.7280 1.2850 2.8740 2.3450 0.9750 2.3450 2.4920 2.4430 1.5790 2.4920 2.0920 0.8460 2.0920
19 2.4740 2.3580 1.1120 2.4740 2.1290 1.0000 2.1290 2.1640 2.1300 1.3850 2.1640 1.8910 0.8720 1.8910
20 2.1500 2.0690 0.9970 2.1500 1.9570 1.0210 1.9570 1.8950 1.8890 1.2570 1.8950 1.7320 0.8940 1.7320
21 1.8830 1.8400 0.9210 1.8830 1.8140 1.0390 1.8140 1.6730 1.6990 1.1740 1.6730 1.6030 0.9130 1.6030
22 1.6620 1.6540 0.8730 1.6620 1.6930 1.0530 1.6930 1.4870 1.5460 1.1240 1.4870 1.4940 0.9280 1.4940
23 1.5460 1.5330 0.8440 1.5460 1.5920 1.0640 1.5920 1.3910 1.4500 1.0980 1.3910 1.4040 0.9420 1.4040
24 1.4670 1.4410 0.8300 1.4670 1.5090 1.0740 1.5090 1.3290 1.3800 1.0890 1.3290 1.3320 0.9520 1.3320
25 1.3990 1.3660 0.8280 1.3990 1.4430 1.0810 1.4430 1.2750 1.3230 1.0950 1.2750 1.2750 0.9610 1.2750
26 1.3400 1.3010 0.8330 1.3400 1.3900 1.0870 1.3900 1.2280 1.2760 1.1110 1.2280 1.2300 0.9680 1.2300
27 1.2880 1.2470 0.8450 1.2880 1.3450 1.0930 1.3450 1.1870 1.2360 1.1350 1.1870 1.1930 0.9740 1.1930
28 1.2440 1.1990 0.8610 1.2440 1.3080 1.0960 1.3080 1.1510 1.2020 1.1640 1.1510 1.1620 0.9790 1.1620
29 1.2040 1.1590 0.8800 1.2040 1.2760 1.1000 1.2760 1.1190 1.1730 1.1950 1.1190 1.1370 0.9820 1.1370
30 1.1680 1.1230 0.8990 1.1680 1.2470 1.1020 1.2470 1.0900 1.1460 1.2290 1.0900 1.1150 0.9850 1.1150
31 1.1360 1.0910 0.9190 1.1360 1.2210 1.1040 1.2210 1.0630 1.1230 1.2610 1.0630 1.0960 0.9870 1.0960
32 1.1070 1.0620 0.9370 1.1070 1.1970 1.1060 1.1970 1.0400 1.1000 1.2900 1.0400 1.0770 0.9890 1.0770
33 1.0800 1.0360 0.9530 1.0800 1.1740 1.1080 1.1740 1.0180 1.0800 1.3150 1.0180 1.0610 0.9900 1.0610
34 1.0570 1.0130 0.9650 1.0570 1.1530 1.1100 1.1530 0.9980 1.0600 1.3350 0.9980 1.0450 0.9910 1.0450
35 1.0350 0.9920 0.9730 1.0350 1.1310 1.1120 1.1310 0.9790 1.0410 1.3490 0.9790 1.0290 0.9910 1.0290
36 1.0150 0.9730 0.9770 1.0150 1.1110 1.1140 1.1110 0.9630 1.0230 1.3550 0.9630 1.0140 0.9910 1.0140
37 0.9970 0.9550 0.9760 0.9970 1.0900 1.1150 1.0900 0.9470 1.0060 1.3550 0.9470 0.9980 0.9910 0.9980
38 0.9800 0.9390 0.9710 0.9800 1.0700 1.1170 1.0700 0.9320 0.9890 1.3460 0.9320 0.9820 0.9900 0.9820
39 0.9650 0.9240 0.9610 0.9650 1.0500 1.1180 1.0500 0.9180 0.9720 1.3310 0.9180 0.9660 0.9890 0.9660
40 0.9510 0.9110 0.9470 0.9510 1.0300 1.1190 1.0300 0.9050 0.9570 1.3090 0.9050 0.9500 0.9880 0.9500
41 0.9390 0.9000 0.9290 0.9390 1.0110 1.1200 1.0110 0.8930 0.9420 1.2810 0.8930 0.9340 0.9860 0.9340
42 0.9280 0.8890 0.9080 0.9280 0.9920 1.1210 0.9920 0.8820 0.9270 1.2490 0.8820 0.9190 0.9840 0.9190
43 0.9170 0.8800 0.8860 0.9170 0.9730 1.1210 0.9730 0.8710 0.9130 1.2130 0.8710 0.9030 0.9820 0.9030
44 0.9080 0.8730 0.8620 0.9080 0.9560 1.1210 0.9560 0.8620 0.9010 1.1750 0.8620 0.8880 0.9800 0.8880
45 0.9000 0.8660 0.8370 0.9000 0.9390 1.1200 0.9390 0.8530 0.8890 1.1350 0.8530 0.8730 0.9760 0.8730
46 0.8930 0.8610 0.8120 0.8930 0.9240 1.1190 0.9240 0.8450 0.8780 1.0940 0.8450 0.8580 0.9720 0.8580
47 0.8870 0.8580 0.7880 0.8870 0.9090 1.1180 0.9090 0.8380 0.8690 1.0540 0.8380 0.8450 0.9680 0.8450
48 0.8820 0.8550 0.7640 0.8820 0.8970 1.1160 0.8970 0.8310 0.8610 1.0150 0.8310 0.8330 0.9630 0.8330
49 0.8790 0.8540 0.7420 0.8790 0.8850 1.1140 0.8850 0.8240 0.8540 0.9780 0.8240 0.8210 0.9580 0.8210
50 0.8760 0.8540 0.7220 0.8760 0.8750 1.1120 0.8750 0.8190 0.8470 0.9440 0.8190 0.8100 0.9520 0.8100
51 0.8740 0.8550 0.7040 0.8740 0.8660 1.1100 0.8660 0.8140 0.8430 0.9110 0.8140 0.8000 0.9460 0.8000
52 0.8740 0.8570 0.6880 0.8740 0.8590 1.1070 0.8590 0.8110 0.8400 0.8810 0.8110 0.7920 0.9400 0.7920
53 0.8740 0.8610 0.6740 0.8740 0.8530 1.1030 0.8530 0.8070 0.8370 0.8540 0.8070 0.7840 0.9340 0.7840
54 0.8750 0.8660 0.6620 0.8750 0.8490 1.1000 0.8490 0.8040 0.8370 0.8300 0.8040 0.7770 0.9270 0.7770
55 0.8770 0.8710 0.6530 0.8770 0.8880 1.0960 0.8880 0.8020 0.8370 0.8080 0.8020 0.8110 0.9200 0.8110
56 0.8810 0.8780 0.6460 0.8810 0.8870 1.0920 0.8870 0.8000 0.8380 0.7890 0.8000 0.8050 0.9130 0.8050
57 0.8850 0.8850 0.6400 0.8850 0.8870 1.0870 0.8870 0.7990 0.8410 0.7710 0.7990 0.8020 0.9060 0.8020
AGE - MARITAL STATUS - GENDER FACTORS
RF-32 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
Single Male Single Female
AGE BI PD PIP UMBI UMPD COMP COLL BI PD PIP UMBI UMPD COMP COLL
58 0.8900 0.8930 0.6350 0.8900 0.8880 1.0830 0.8880 0.7990 0.8450 0.7550 0.7990 0.7990 0.8990 0.7990
59 0.8960 0.9010 0.6330 0.8960 0.8910 1.0790 0.8910 0.7990 0.8500 0.7400 0.7990 0.7980 0.8920 0.7980
60 0.9030 0.9100 0.6300 0.9030 0.9380 1.1290 0.9380 0.7990 0.8550 0.7260 0.7990 0.8350 0.9290 0.8350
61 0.9100 0.9190 0.6270 0.9100 0.9440 1.1250 0.9440 0.8000 0.8610 0.7100 0.8000 0.8350 0.9220 0.8350
62 0.9190 0.9280 0.6220 0.9190 0.9490 1.1200 0.9490 0.8010 0.8680 0.6930 0.8010 0.8360 0.9150 0.8360
63 0.9280 0.9370 0.6160 0.9280 0.9570 1.1160 0.9570 0.8020 0.8750 0.6740 0.8020 0.8370 0.9070 0.8370
64 0.9370 0.9460 0.6050 0.9370 0.9650 1.1130 0.9650 0.8030 0.8820 0.6510 0.8030 0.8380 0.9010 0.8380
65 0.9480 0.9540 0.5910 0.9480 0.9720 1.1100 0.9720 0.8050 0.8900 0.6230 0.8050 0.8390 0.8950 0.8390
66 0.9590 0.9620 0.5870 0.9590 0.9810 1.1070 0.9810 0.8060 0.8970 0.6160 0.8060 0.8400 0.8890 0.8400
67 0.9710 0.9700 0.5870 0.9710 0.9890 1.1040 0.9890 0.8080 0.9050 0.6160 0.8080 0.8430 0.8840 0.8430
68 0.9840 0.9770 0.5870 0.9840 0.9970 1.1010 0.9970 0.8100 0.9110 0.6160 0.8100 0.8440 0.8790 0.8440
69 0.9970 0.9830 0.5870 0.9970 1.0040 1.0980 1.0040 0.8130 0.9180 0.6160 0.8130 0.8450 0.8740 0.8450
70 1.0100 0.9900 0.5870 1.0100 1.0110 1.0960 1.0110 0.8150 0.9240 0.6160 0.8150 0.8460 0.8690 0.8460
71 1.0250 0.9960 0.5870 1.0250 1.0630 1.1460 1.0630 0.8180 0.9290 0.6160 0.8180 0.8830 0.9050 0.8830
72 1.0410 1.0020 0.5870 1.0410 1.0670 1.1430 1.0670 0.8200 0.9340 0.6160 0.8200 0.8830 0.9010 0.8830
73 1.0570 1.0080 0.5870 1.0570 1.0710 1.1400 1.0710 0.8230 0.9370 0.6160 0.8230 0.8810 0.8950 0.8810
74 1.0740 1.0160 0.5870 1.0740 1.0730 1.1350 1.0730 0.8270 0.9410 0.6160 0.8270 0.8790 0.8890 0.8790
75 1.0930 1.0240 0.5870 1.0930 1.0730 1.1300 1.0730 0.8300 0.9430 0.6160 0.8300 0.8760 0.8820 0.8760
76 1.1140 1.0340 0.5870 1.1140 1.0720 1.1230 1.0720 0.8350 0.9460 0.6160 0.8350 0.8730 0.8760 0.8730
77 1.1350 1.0470 0.5870 1.1350 1.0700 1.1130 1.0700 0.8400 0.9490 0.6160 0.8400 0.8690 0.8660 0.8690
78 1.1600 1.0640 0.5870 1.1600 1.0660 1.1010 1.0660 0.8450 0.9530 0.6160 0.8450 0.8660 0.8550 0.8660
79 1.1870 1.0860 0.5870 1.1870 1.0630 1.0860 1.0630 0.8530 0.9580 0.6160 0.8530 0.8630 0.8430 0.8630
80 1.2170 1.1150 0.5870 1.2170 1.0580 1.1160 1.0580 0.8620 0.9640 0.6160 0.8620 0.8590 0.8650 0.8590
81 1.2510 1.1530 0.5870 1.2510 1.0550 1.0910 1.0550 0.8730 0.9730 0.6160 0.8730 0.8580 0.8440 0.8580
82 1.2910 1.2030 0.5870 1.2910 1.0510 1.0630 1.0510 0.8860 0.9860 0.6160 0.8860 0.8590 0.8200 0.8590
83 1.3350 1.2670 0.5870 1.3350 1.0500 1.0270 1.0500 0.9030 1.0040 0.6160 0.9030 0.8630 0.7920 0.8630
84 1.3880 1.3530 0.5870 1.3880 1.0520 0.9860 1.0520 0.9240 1.0280 0.6160 0.9240 0.8690 0.7610 0.8690
85 1.4500 1.4660 0.5870 1.4500 1.0580 0.9380 1.0580 0.9500 1.0620 0.6160 0.9500 0.8820 0.7250 0.8820
86 1.4730 1.5030 0.5870 1.4730 1.0650 0.9260 1.0650 0.9590 1.0730 0.6160 0.9590 0.8880 0.7150 0.8880
87 1.4850 1.5150 0.5870 1.4850 1.0730 0.9260 1.0730 0.9630 1.0770 0.6160 0.9630 0.8910 0.7150 0.8910
88 1.4970 1.5270 0.5870 1.4970 1.0820 0.9260 1.0820 0.9670 1.0820 0.6160 0.9670 0.8950 0.7150 0.8950
89 1.5090 1.5390 0.5870 1.5090 1.0900 0.9260 1.0900 0.9700 1.0860 0.6160 0.9700 0.8980 0.7150 0.8980
90 1.5210 1.5520 0.5870 1.5210 1.0990 0.9260 1.0990 0.9740 1.0900 0.6160 0.9740 0.9020 0.7150 0.9020
91 1.5330 1.5640 0.5870 1.5330 1.1070 0.9260 1.1070 0.9780 1.0950 0.6160 0.9780 0.9050 0.7150 0.9050
92 1.5450 1.5770 0.5870 1.5450 1.1170 0.9260 1.1170 0.9820 1.0990 0.6160 0.9820 0.9090 0.7150 0.9090
93 1.5580 1.5890 0.5870 1.5580 1.1260 0.9260 1.1260 0.9860 1.1040 0.6160 0.9860 0.9120 0.7150 0.9120
94 1.5700 1.6020 0.5870 1.5700 1.1350 0.9260 1.1350 0.9900 1.1080 0.6160 0.9900 0.9170 0.7150 0.9170
95 1.5830 1.6150 0.5870 1.5830 1.1440 0.9260 1.1440 0.9940 1.1120 0.6160 0.9940 0.9200 0.7150 0.9200
96 1.5950 1.6280 0.5870 1.5950 1.1530 0.9260 1.1530 0.9980 1.1170 0.6160 0.9980 0.9230 0.7150 0.9230
97 1.6080 1.6410 0.5870 1.6080 1.1630 0.9260 1.1630 1.0020 1.1210 0.6160 1.0020 0.9270 0.7150 0.9270
98 1.6210 1.6540 0.5870 1.6210 1.1720 0.9260 1.1720 1.0060 1.1260 0.6160 1.0060 0.9300 0.7150 0.9300
99 1.6340 1.6670 0.5870 1.6340 1.1810 0.9260 1.1810 1.0100 1.1300 0.6160 1.0100 0.9350 0.7150 0.9350
AGE - MARITAL STATUS - GENDER FACTORS
March 2016 Oregon RF-33
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
Married Male Married Female
AGE BI PD PIP UMBI UMPD COMP COLL BI PD PIP UMBI UMPD COMP COLL
15 3.0870 3.6280 1.6000 3.0870 3.0980 0.9950 3.0980 2.5420 2.2980 1.8360 2.5420 1.9030 0.7360 1.9030
16 3.0870 3.6280 1.6000 3.0870 3.0980 0.9950 3.0980 2.5420 2.2980 1.8360 2.5420 1.9030 0.7360 1.9030
17 2.7450 3.1120 1.3660 2.7450 2.7370 1.0080 2.7370 2.2740 2.0340 1.5580 2.2740 1.7440 0.7550 1.7440
18 2.3670 2.5860 1.1450 2.3670 2.3590 1.0210 2.3590 1.9760 1.7590 1.2960 1.9760 1.5750 0.7770 1.5750
19 2.0630 2.1990 0.9990 2.0630 2.0730 1.0290 2.0730 1.7330 1.5540 1.1220 1.7330 1.4450 0.7960 1.4450
20 1.8130 1.9090 0.9030 1.8130 1.8530 1.0350 1.8530 1.5330 1.3960 1.0070 1.5330 1.3430 0.8120 1.3430
21 1.6070 1.6870 0.8410 1.6070 1.6790 1.0370 1.6790 1.3670 1.2750 0.9310 1.3670 1.2600 0.8260 1.2600
22 1.4340 1.5120 0.8030 1.4340 1.5370 1.0370 1.5370 1.2270 1.1790 0.8830 1.2270 1.1910 0.8360 1.1910
23 1.3470 1.4020 0.7840 1.3470 1.4210 1.0350 1.4210 1.1590 1.1240 0.8550 1.1590 1.1350 0.8460 1.1350
24 1.2920 1.3220 0.7770 1.2920 1.3320 1.0330 1.3320 1.1170 1.0870 0.8420 1.1170 1.0910 0.8530 1.0910
25 1.2440 1.2590 0.7800 1.2440 1.2610 1.0300 1.2610 1.0810 1.0590 0.8400 1.0810 1.0580 0.8590 1.0580
26 1.2040 1.2090 0.7920 1.2040 1.2060 1.0250 1.2060 1.0490 1.0390 0.8460 1.0490 1.0330 0.8650 1.0330
27 1.1690 1.1680 0.8100 1.1690 1.1620 1.0210 1.1620 1.0220 1.0230 0.8580 1.0220 1.0140 0.8690 1.0140
28 1.1380 1.1340 0.8320 1.1380 1.1270 1.0170 1.1270 0.9990 1.0100 0.8760 0.9990 0.9990 0.8720 0.9990
29 1.1110 1.1060 0.8570 1.1110 1.0990 1.0130 1.0990 0.9790 0.9990 0.8950 0.9790 0.9880 0.8750 0.9880
30 1.0880 1.0820 0.8840 1.0880 1.0760 1.0100 1.0760 0.9600 0.9900 0.9160 0.9600 0.9790 0.8780 0.9790
31 1.0670 1.0630 0.9100 1.0670 1.0570 1.0070 1.0570 0.9440 0.9820 0.9370 0.9440 0.9720 0.8810 0.9720
32 1.0480 1.0450 0.9360 1.0480 1.0410 1.0040 1.0410 0.9290 0.9740 0.9560 0.9290 0.9650 0.8830 0.9650
33 1.0320 1.0300 0.9590 1.0320 1.0260 1.0020 1.0260 0.9150 0.9660 0.9730 0.9150 0.9590 0.8860 0.9590
34 1.0170 1.0150 0.9800 1.0170 1.0140 1.0010 1.0140 0.9020 0.9570 0.9860 0.9020 0.9520 0.8880 0.9520
35 1.0030 1.0030 0.9960 1.0030 1.0030 1.0000 1.0030 0.8910 0.9480 0.9950 0.8910 0.9450 0.8900 0.9450
36 0.9910 0.9910 1.0080 0.9910 0.9920 1.0000 0.9920 0.8800 0.9380 1.0000 0.8800 0.9370 0.8920 0.9370
37 0.9800 0.9800 1.0150 0.9800 0.9810 1.0000 0.9810 0.8690 0.9280 1.0000 0.8690 0.9280 0.8940 0.9280
38 0.9690 0.9700 1.0180 0.9690 0.9710 1.0010 0.9710 0.8590 0.9180 0.9950 0.8590 0.9190 0.8960 0.9190
39 0.9610 0.9590 1.0160 0.9610 0.9610 1.0020 0.9610 0.8500 0.9060 0.9860 0.8500 0.9090 0.8980 0.9090
40 0.9530 0.9500 1.0090 0.9530 0.9510 1.0040 0.9510 0.8410 0.8930 0.9730 0.8410 0.8980 0.9000 0.8980
41 0.9460 0.9410 0.9980 0.9460 0.9410 1.0060 0.9410 0.8330 0.8810 0.9550 0.8330 0.8870 0.9020 0.8870
42 0.9390 0.9330 0.9850 0.9390 0.9310 1.0080 0.9310 0.8260 0.8680 0.9350 0.8260 0.8750 0.9030 0.8750
43 0.9330 0.9250 0.9680 0.9330 0.9210 1.0100 0.9210 0.8180 0.8550 0.9130 0.8180 0.8620 0.9040 0.8620
44 0.9280 0.9180 0.9500 0.9280 0.9110 1.0130 0.9110 0.8110 0.8420 0.8890 0.8110 0.8500 0.9040 0.8500
45 0.9250 0.9110 0.9300 0.9250 0.9020 1.0150 0.9020 0.8050 0.8290 0.8640 0.8050 0.8370 0.9040 0.8370
46 0.9220 0.9050 0.9100 0.9220 0.8930 1.0180 0.8930 0.7980 0.8170 0.8390 0.7980 0.8240 0.9040 0.8240
47 0.9190 0.9010 0.8890 0.9190 0.8840 1.0210 0.8840 0.7920 0.8060 0.8140 0.7920 0.8120 0.9030 0.8120
48 0.9170 0.8970 0.8700 0.9170 0.8760 1.0230 0.8760 0.7870 0.7950 0.7910 0.7870 0.8000 0.9010 0.8000
49 0.9170 0.8940 0.8520 0.9170 0.8690 1.0250 0.8690 0.7820 0.7850 0.7680 0.7820 0.7890 0.8990 0.7890
50 0.9170 0.8920 0.8350 0.9170 0.8620 1.0270 0.8620 0.7780 0.7760 0.7480 0.7780 0.7780 0.8970 0.7780
51 0.9180 0.8920 0.8210 0.9180 0.8550 1.0290 0.8550 0.7740 0.7680 0.7300 0.7740 0.7670 0.8940 0.7670
52 0.9190 0.8930 0.8080 0.9190 0.8500 1.0310 0.8500 0.7700 0.7610 0.7140 0.7700 0.7570 0.8900 0.7570
53 0.9220 0.8940 0.7990 0.9220 0.8460 1.0330 0.8460 0.7670 0.7550 0.7000 0.7670 0.7480 0.8860 0.7480
54 0.9250 0.8980 0.7920 0.9250 0.8420 1.0350 0.8420 0.7640 0.7510 0.6890 0.7640 0.7410 0.8810 0.7410
55 0.9300 0.9020 0.7870 0.9300 0.8810 1.0360 0.8810 0.7610 0.7470 0.6790 0.7610 0.7700 0.8760 0.7700
56 0.9350 0.9070 0.7840 0.9350 0.8790 1.0370 0.8790 0.7580 0.7450 0.6720 0.7580 0.7620 0.8710 0.7620
57 0.9400 0.9140 0.7840 0.9400 0.8780 1.0380 0.8780 0.7560 0.7440 0.6670 0.7560 0.7570 0.8650 0.7570
AGE - MARITAL STATUS - GENDER FACTORS
RF-34 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
Married Male Married Female
AGE BI PD PIP UMBI UMPD COMP COLL BI PD PIP UMBI UMPD COMP COLL
58 0.9460 0.9230 0.7850 0.9460 0.8780 1.0390 0.8780 0.7540 0.7440 0.6630 0.7540 0.7520 0.8590 0.7520
59 0.9530 0.9320 0.7880 0.9530 0.8780 1.0400 0.8780 0.7520 0.7450 0.6610 0.7520 0.7480 0.8530 0.7480
60 0.9600 0.9410 0.7910 0.9600 0.9210 1.0930 0.9210 0.7510 0.7470 0.6580 0.7510 0.7790 0.8880 0.7790
61 0.9690 0.9530 0.7930 0.9690 0.9230 1.0940 0.9230 0.7490 0.7500 0.6550 0.7490 0.7760 0.8810 0.7760
62 0.9780 0.9650 0.7940 0.9780 0.9260 1.0940 0.9260 0.7480 0.7540 0.6510 0.7480 0.7720 0.8740 0.7720
63 0.9870 0.9780 0.7920 0.9870 0.9300 1.0950 0.9300 0.7470 0.7590 0.6450 0.7470 0.7700 0.8660 0.7700
64 0.9960 0.9910 0.7860 0.9960 0.9330 1.0960 0.9330 0.7450 0.7640 0.6350 0.7450 0.7680 0.8590 0.7680
65 1.0060 1.0040 0.7730 1.0060 0.9370 1.0960 0.9370 0.7440 0.7700 0.6200 0.7440 0.7670 0.8510 0.7670
66 1.0170 1.0190 0.7690 1.0170 0.9420 1.0970 0.9420 0.7420 0.7760 0.6160 0.7420 0.7660 0.8420 0.7660
67 1.0280 1.0330 0.7690 1.0280 0.9470 1.0980 0.9470 0.7400 0.7820 0.6160 0.7400 0.7630 0.8340 0.7630
68 1.0390 1.0480 0.7690 1.0390 0.9520 1.0980 0.9520 0.7390 0.7890 0.6160 0.7390 0.7620 0.8250 0.7620
69 1.0510 1.0630 0.7690 1.0510 0.9570 1.0980 0.9570 0.7370 0.7950 0.6160 0.7370 0.7610 0.8170 0.7610
70 1.0630 1.0780 0.7690 1.0630 0.9610 1.0970 0.9610 0.7350 0.8020 0.6160 0.7350 0.7590 0.8070 0.7590
71 1.0760 1.0930 0.7690 1.0760 1.0110 1.1480 1.0110 0.7330 0.8080 0.6160 0.7330 0.7910 0.8360 0.7910
72 1.0890 1.1080 0.7690 1.0890 1.0170 1.1460 1.0170 0.7300 0.8140 0.6160 0.7300 0.7900 0.8250 0.7900
73 1.1020 1.1230 0.7690 1.1020 1.0220 1.1440 1.0220 0.7280 0.8190 0.6160 0.7280 0.7880 0.8140 0.7880
74 1.1160 1.1390 0.7690 1.1160 1.0280 1.1390 1.0280 0.7260 0.8230 0.6160 0.7260 0.7840 0.8020 0.7840
75 1.1310 1.1550 0.7690 1.1310 1.0340 1.1320 1.0340 0.7240 0.8270 0.6160 0.7240 0.7820 0.7880 0.7820
76 1.1480 1.1720 0.7690 1.1480 1.0420 1.1240 1.0420 0.7220 0.8300 0.6160 0.7220 0.7800 0.7720 0.7800
77 1.1650 1.1890 0.7690 1.1650 1.0510 1.1120 1.0510 0.7210 0.8330 0.6160 0.7210 0.7770 0.7570 0.7770
78 1.1850 1.2100 0.7690 1.1850 1.0610 1.0970 1.0610 0.7210 0.8360 0.6160 0.7210 0.7760 0.7370 0.7760
79 1.2060 1.2320 0.7690 1.2060 1.0740 1.0780 1.0740 0.7210 0.8390 0.6160 0.7210 0.7760 0.7170 0.7760
80 1.2310 1.2590 0.7690 1.2310 1.0900 1.1030 1.0900 0.7220 0.8420 0.6160 0.7220 0.7770 0.7250 0.7770
81 1.2590 1.2900 0.7690 1.2590 1.1120 1.0740 1.1120 0.7240 0.8460 0.6160 0.7240 0.7810 0.6970 0.7810
82 1.2910 1.3280 0.7690 1.2910 1.1390 1.0400 1.1390 0.7290 0.8510 0.6160 0.7290 0.7870 0.6670 0.7870
83 1.3280 1.3750 0.7690 1.3280 1.1730 0.9980 1.1730 0.7350 0.8580 0.6160 0.7350 0.7970 0.6330 0.7970
84 1.3720 1.4330 0.7690 1.3720 1.2180 0.9510 1.2180 0.7440 0.8680 0.6160 0.7440 0.8120 0.5960 0.8120
85 1.4230 1.5060 0.7690 1.4230 1.2740 0.8980 1.2740 0.7570 0.8830 0.6160 0.7570 0.8340 0.5570 0.8340
86 1.4430 1.5320 0.7690 1.4430 1.2940 0.8840 1.2940 0.7630 0.8890 0.6160 0.7630 0.8410 0.5460 0.8410
87 1.4540 1.5440 0.7690 1.4540 1.3050 0.8840 1.3050 0.7660 0.8920 0.6160 0.7660 0.8440 0.5460 0.8440
88 1.4660 1.5570 0.7690 1.4660 1.3160 0.8840 1.3160 0.7690 0.8960 0.6160 0.7690 0.8480 0.5460 0.8480
89 1.4780 1.5690 0.7690 1.4780 1.3260 0.8840 1.3260 0.7720 0.8990 0.6160 0.7720 0.8510 0.5460 0.8510
90 1.4900 1.5820 0.7690 1.4900 1.3360 0.8840 1.3360 0.7750 0.9030 0.6160 0.7750 0.8540 0.5460 0.8540
91 1.5020 1.5950 0.7690 1.5020 1.3470 0.8840 1.3470 0.7780 0.9070 0.6160 0.7780 0.8580 0.5460 0.8580
92 1.5140 1.6070 0.7690 1.5140 1.3580 0.8840 1.3580 0.7810 0.9100 0.6160 0.7810 0.8610 0.5460 0.8610
93 1.5260 1.6200 0.7690 1.5260 1.3690 0.8840 1.3690 0.7840 0.9140 0.6160 0.7840 0.8650 0.5460 0.8650
94 1.5380 1.6330 0.7690 1.5380 1.3800 0.8840 1.3800 0.7870 0.9180 0.6160 0.7870 0.8680 0.5460 0.8680
95 1.5500 1.6460 0.7690 1.5500 1.3900 0.8840 1.3900 0.7900 0.9210 0.6160 0.7900 0.8720 0.5460 0.8720
96 1.5630 1.6590 0.7690 1.5630 1.4020 0.8840 1.4020 0.7940 0.9250 0.6160 0.7940 0.8750 0.5460 0.8750
97 1.5750 1.6730 0.7690 1.5750 1.4130 0.8840 1.4130 0.7970 0.9290 0.6160 0.7970 0.8790 0.5460 0.8790
98 1.5880 1.6860 0.7690 1.5880 1.4250 0.8840 1.4250 0.8000 0.9320 0.6160 0.8000 0.8820 0.5460 0.8820
99 1.6010 1.7000 0.7690 1.6010 1.4360 0.8840 1.4360 0.8030 0.9360 0.6160 0.8030 0.8860 0.5460 0.8860
AGE - MARITAL STATUS - GENDER FACTORS
March 2016 Oregon RF-35
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
Status Factor
No Training 1.00
Training 0.95
Distant Student Discount
BI PD PIP UMBI UMPD COMP COLL
Not DS 1.00 1.00 1.00 1.00 1.00 1.00 1.00
DS Age 15 0.80 0.80 0.80 0.80 0.80 0.80 0.80
DS Age 16 0.80 0.80 0.80 0.80 0.80 0.80 0.80
DS Age 17 0.80 0.80 0.80 0.80 0.80 0.80 0.80
DS Age 18 0.80 0.80 0.80 0.80 0.80 0.80 0.80
DS Age 19 0.81 0.81 0.81 0.81 0.81 0.81 0.81
DS Age 20 0.83 0.83 0.83 0.83 0.83 0.83 0.83
DS Age 21 0.85 0.85 0.85 0.85 0.85 0.85 0.85
DS Age 22 0.87 0.87 0.87 0.87 0.87 0.87 0.87
DS Age 23 0.89 0.89 0.89 0.89 0.89 0.89 0.89
DS Age 24 0.91 0.91 0.91 0.91 0.91 0.91 0.91
DS Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Driver Training Discount
BI PD PIP UMBI UMPD COMP COLL
No DT 1.00 1.00 1.00 1.00 1.00 1.00 1.00
DT Age 15 0.98 0.98 0.98 1.00 1.00 0.98 0.98
DT Age 16 0.98 0.98 0.98 1.00 1.00 0.98 0.98
DT Age 17 0.98 0.98 0.98 1.00 1.00 0.98 0.98
DT Age 18 0.98 0.98 0.98 1.00 1.00 0.98 0.98
DT Age 19 0.98 0.98 0.98 1.00 1.00 0.98 0.98
DT Age 20 0.98 0.98 0.98 1.00 1.00 0.98 0.98
DT Age 21 1.00 1.00 1.00 1.00 1.00 1.00 1.00
DT Age 22 1.00 1.00 1.00 1.00 1.00 1.00 1.00
DT Age 23 1.00 1.00 1.00 1.00 1.00 1.00 1.00
DT Age 24 1.00 1.00 1.00 1.00 1.00 1.00 1.00
DT Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Good Student Credit
BI PD PIP UMBI UMPD COMP COLL
No GS 1.00 1.00 1.00 1.00 1.00 1.00 1.00
GS Age 15 0.84 0.84 0.84 0.84 0.84 0.84 0.84
GS Age 16 0.84 0.84 0.84 0.84 0.84 0.84 0.84
GS Age 17 0.86 0.86 0.86 0.86 0.86 0.86 0.86
GS Age 18 0.88 0.88 0.88 0.88 0.88 0.88 0.88
GS Age 19 0.90 0.90 0.90 0.90 0.90 0.90 0.90
GS Age 20 0.92 0.92 0.92 0.92 0.92 0.92 0.92
GS Age 21 0.94 0.94 0.94 0.94 0.94 0.94 0.94
GS Age 22 0.96 0.96 0.96 0.96 0.96 0.96 0.96
GS Age 23 0.98 0.98 0.98 0.98 0.98 0.98 0.98
GS Age 24 0.99 0.99 0.99 0.99 0.99 0.99 0.99
GS Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Defensive Driver Training Credit
RF-36 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
LEGACY DISCOUNT RELATIVITIES
AGE BI PD PIP UMBI UMPD COMP COLL
15 0.90 0.90 0.90 0.90 0.90 0.90 0.90
16 0.90 0.90 0.90 0.90 0.90 0.90 0.90
17 0.90 0.90 0.90 0.90 0.90 0.90 0.90
18 0.90 0.90 0.90 0.90 0.90 0.90 0.90
19 0.90 0.90 0.90 0.90 0.90 0.90 0.90
20 0.90 0.90 0.90 0.90 0.90 0.90 0.90
21 0.92 0.92 0.92 0.92 0.92 0.92 0.92
22 0.94 0.94 0.94 0.94 0.94 0.94 0.94
23 0.96 0.96 0.96 0.96 0.96 0.96 0.96
24 0.98 0.98 0.98 0.98 0.98 0.98 0.98
March 2016 Oregon RF-37
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
0 Points 0 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 58 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
16 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 59 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
17 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 60 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
18 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 61 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
19 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 62 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
20 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 63 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
21 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 64 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
22 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 65 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
23 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 66 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
24 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 67 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
25 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 68 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
26 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 69 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
27 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 70 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
28 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 71 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
29 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 72 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
30 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 73 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
31 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 74 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
32 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 75 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
33 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 76 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
34 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 77 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
35 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 78 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
36 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 79 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
37 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 80 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
38 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 81 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
39 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 82 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
40 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 83 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
41 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 84 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
42 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 85 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
43 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 86 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
44 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 87 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
45 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 88 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
46 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 89 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
47 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 90 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
48 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 91 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
49 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 92 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
50 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 93 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
51 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 94 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
52 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 95 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
53 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 96 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
54 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 97 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
55 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 98 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
56 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 99 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
57 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
POINT SURCHARGE RELATIVITIES
RF-38 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
1 Point 1 Point
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 1.0710 1.0920 1.0600 1.0200 1.0300 1.0500 1.0300 58 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
16 1.0710 1.0920 1.0600 1.0200 1.0300 1.0500 1.0300 59 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
17 1.0763 1.1025 1.0600 1.0250 1.0400 1.0500 1.0400 60 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
18 1.0815 1.1130 1.0600 1.0300 1.0500 1.0500 1.0500 61 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
19 1.0868 1.1235 1.0600 1.0350 1.0600 1.0500 1.0600 62 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
20 1.0920 1.1340 1.0600 1.0400 1.0700 1.0500 1.0700 63 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
21 1.1109 1.1529 1.0600 1.0580 1.0840 1.0500 1.0840 64 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
22 1.1298 1.1718 1.0600 1.0760 1.0980 1.0500 1.0980 65 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
23 1.1487 1.1907 1.0600 1.0940 1.1120 1.0500 1.1120 66 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
24 1.1676 1.2096 1.0600 1.1120 1.1260 1.0500 1.1260 67 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
25 1.1865 1.2285 1.0600 1.1300 1.1400 1.0500 1.1400 68 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
26 1.1918 1.2327 1.0600 1.1350 1.1440 1.0500 1.1440 69 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
27 1.1970 1.2369 1.0600 1.1400 1.1480 1.0500 1.1480 70 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
28 1.2023 1.2411 1.0600 1.1450 1.1520 1.0500 1.1520 71 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
29 1.2075 1.2453 1.0600 1.1500 1.1560 1.0500 1.1560 72 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
30 1.2128 1.2495 1.0600 1.1550 1.1600 1.0500 1.1600 73 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
31 1.2180 1.2537 1.0600 1.1600 1.1640 1.0500 1.1640 74 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
32 1.2233 1.2579 1.0600 1.1650 1.1680 1.0500 1.1680 75 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
33 1.2285 1.2621 1.0600 1.1700 1.1720 1.0500 1.1720 76 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
34 1.2338 1.2663 1.0600 1.1750 1.1760 1.0500 1.1760 77 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
35 1.2390 1.2705 1.0600 1.1800 1.1800 1.0500 1.1800 78 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
36 1.2443 1.2726 1.0600 1.1850 1.1840 1.0500 1.1840 79 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
37 1.2485 1.2747 1.0600 1.1890 1.1870 1.0500 1.1870 80 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
38 1.2537 1.2768 1.0600 1.1940 1.1910 1.0500 1.1910 81 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
39 1.2579 1.2789 1.0600 1.1980 1.1940 1.0500 1.1940 82 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
40 1.2632 1.2810 1.0600 1.2030 1.1980 1.0500 1.1980 83 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
41 1.2674 1.2831 1.0600 1.2070 1.2010 1.0500 1.2010 84 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
42 1.2726 1.2852 1.0600 1.2120 1.2050 1.0500 1.2050 85 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
43 1.2768 1.2873 1.0600 1.2160 1.2080 1.0500 1.2080 86 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
44 1.2821 1.2894 1.0600 1.2210 1.2120 1.0500 1.2120 87 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
45 1.2863 1.2915 1.0600 1.2250 1.2150 1.0500 1.2150 88 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
46 1.2915 1.2936 1.0600 1.2300 1.2190 1.0500 1.2190 89 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
47 1.2957 1.2957 1.0600 1.2340 1.2220 1.0500 1.2220 90 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
48 1.3010 1.2978 1.0600 1.2390 1.2260 1.0500 1.2260 91 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
49 1.3052 1.2999 1.0600 1.2430 1.2290 1.0500 1.2290 92 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
50 1.3104 1.3020 1.0600 1.2480 1.2330 1.0500 1.2330 93 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
51 1.3146 1.3041 1.0600 1.2520 1.2360 1.0500 1.2360 94 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
52 1.3199 1.3062 1.0600 1.2570 1.2400 1.0500 1.2400 95 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
53 1.3241 1.3083 1.0600 1.2610 1.2430 1.0500 1.2430 96 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
54 1.3293 1.3104 1.0600 1.2660 1.2470 1.0500 1.2470 97 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
55 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500 98 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
56 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500 99 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
57 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500
POINT SURCHARGE RELATIVITIES
March 2016 Oregon RF-39
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
2 Points 2 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 1.2160 1.3200 1.5400 1.2800 1.3600 1.1100 1.3600 58 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
16 1.2160 1.3200 1.5400 1.2800 1.3600 1.1100 1.3600 59 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
17 1.2379 1.3280 1.5400 1.3030 1.3700 1.1100 1.3700 60 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
18 1.2588 1.3350 1.5400 1.3250 1.3800 1.1100 1.3800 61 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
19 1.2806 1.3430 1.5400 1.3480 1.3900 1.1100 1.3900 62 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
20 1.3015 1.3500 1.5400 1.3700 1.4000 1.1100 1.4000 63 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
21 1.3414 1.3700 1.5400 1.4120 1.4300 1.1100 1.4300 64 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
22 1.3813 1.3900 1.5400 1.4540 1.4600 1.1100 1.4600 65 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
23 1.4212 1.4100 1.5400 1.4960 1.4900 1.1100 1.4900 66 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
24 1.4611 1.4300 1.5400 1.5380 1.5200 1.1100 1.5200 67 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
25 1.5010 1.4500 1.5400 1.5800 1.5500 1.1100 1.5500 68 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
26 1.5096 1.4560 1.5400 1.5890 1.5530 1.1100 1.5530 69 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
27 1.5181 1.4620 1.5400 1.5980 1.5550 1.1100 1.5550 70 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
28 1.5267 1.4680 1.5400 1.6070 1.5580 1.1100 1.5580 71 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
29 1.5352 1.4740 1.5400 1.6160 1.5600 1.1100 1.5600 72 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
30 1.5438 1.4800 1.5400 1.6250 1.5630 1.1100 1.5630 73 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
31 1.5523 1.4860 1.5400 1.6340 1.5650 1.1100 1.5650 74 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
32 1.5609 1.4920 1.5400 1.6430 1.5680 1.1100 1.5680 75 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
33 1.5694 1.4980 1.5400 1.6520 1.5700 1.1100 1.5700 76 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
34 1.5780 1.5040 1.5400 1.6610 1.5730 1.1100 1.5730 77 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
35 1.5865 1.5100 1.5400 1.6700 1.5750 1.1100 1.5750 78 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
36 1.5951 1.5180 1.5400 1.6790 1.5820 1.1100 1.5820 79 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
37 1.6036 1.5260 1.5400 1.6880 1.5890 1.1100 1.5890 80 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
38 1.6122 1.5340 1.5400 1.6970 1.5950 1.1100 1.5950 81 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
39 1.6207 1.5420 1.5400 1.7060 1.6020 1.1100 1.6020 82 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
40 1.6293 1.5500 1.5400 1.7150 1.6090 1.1100 1.6090 83 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
41 1.6378 1.5580 1.5400 1.7240 1.6160 1.1100 1.6160 84 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
42 1.6464 1.5660 1.5400 1.7330 1.6220 1.1100 1.6220 85 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
43 1.6549 1.5740 1.5400 1.7420 1.6290 1.1100 1.6290 86 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
44 1.6635 1.5820 1.5400 1.7510 1.6360 1.1100 1.6360 87 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
45 1.6720 1.5900 1.5400 1.7600 1.6430 1.1100 1.6430 88 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
46 1.6806 1.5980 1.5400 1.7690 1.6490 1.1100 1.6490 89 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
47 1.6891 1.6060 1.5400 1.7780 1.6560 1.1100 1.6560 90 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
48 1.6977 1.6140 1.5400 1.7870 1.6630 1.1100 1.6630 91 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
49 1.7062 1.6220 1.5400 1.7960 1.6700 1.1100 1.6700 92 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
50 1.7148 1.6300 1.5400 1.8050 1.6760 1.1100 1.6760 93 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
51 1.7233 1.6380 1.5400 1.8140 1.6830 1.1100 1.6830 94 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
52 1.7319 1.6460 1.5400 1.8230 1.6900 1.1100 1.6900 95 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
53 1.7404 1.6540 1.5400 1.8320 1.6970 1.1100 1.6970 96 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
54 1.7490 1.6620 1.5400 1.8410 1.7030 1.1100 1.7030 97 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
55 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100 98 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
56 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100 99 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
57 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100
POINT SURCHARGE RELATIVITIES
RF-40 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
3 Points 3 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 1.4800 1.5960 2.1850 1.4800 1.6200 1.5930 1.6200 58 2.2500 2.0895 2.1850 2.2500 2.0320 1.5930 2.0320
16 1.4800 1.5960 2.1850 1.4800 1.6200 1.5930 1.6200 59 2.2500 2.0895 2.1850 2.2500 2.0320 1.5930 2.0320
17 1.5130 1.6044 2.1850 1.5130 1.6350 1.5930 1.6350 60 2.2500 2.0895 2.1850 2.2500 2.0330 1.5930 2.0330
18 1.5450 1.6118 2.1850 1.5450 1.6500 1.5930 1.6500 61 2.2500 2.0895 2.1850 2.2500 2.0330 1.5930 2.0330
19 1.5780 1.6202 2.1850 1.5780 1.6650 1.5930 1.6650 62 2.2500 2.0895 2.1850 2.2500 2.0340 1.5930 2.0340
20 1.6100 1.6275 2.1850 1.6100 1.6800 1.5930 1.6800 63 2.2500 2.0895 2.1850 2.2500 2.0340 1.5930 2.0340
21 1.6600 1.6569 2.1850 1.6600 1.7100 1.5930 1.7100 64 2.2500 2.0895 2.1850 2.2500 2.0350 1.5930 2.0350
22 1.7100 1.6863 2.1850 1.7100 1.7400 1.5930 1.7400 65 2.2500 2.0895 2.1850 2.2500 2.0350 1.5930 2.0350
23 1.7600 1.7157 2.1850 1.7600 1.7700 1.5930 1.7700 66 2.2500 2.0895 2.1850 2.2500 2.0360 1.5930 2.0360
24 1.8100 1.7451 2.1850 1.8100 1.8000 1.5930 1.8000 67 2.2500 2.0895 2.1850 2.2500 2.0360 1.5930 2.0360
25 1.8600 1.7745 2.1850 1.8600 1.8300 1.5930 1.8300 68 2.2500 2.0895 2.1850 2.2500 2.0370 1.5930 2.0370
26 1.8770 1.7850 2.1850 1.8770 1.8350 1.5930 1.8350 69 2.2500 2.0895 2.1850 2.2500 2.0370 1.5930 2.0370
27 1.8940 1.7955 2.1850 1.8940 1.8390 1.5930 1.8390 70 2.2500 2.0895 2.1850 2.2500 2.0380 1.5930 2.0380
28 1.9110 1.8060 2.1850 1.9110 1.8440 1.5930 1.8440 71 2.2500 2.0895 2.1850 2.2500 2.0380 1.5930 2.0380
29 1.9280 1.8165 2.1850 1.9280 1.8480 1.5930 1.8480 72 2.2500 2.0895 2.1850 2.2500 2.0390 1.5930 2.0390
30 1.9450 1.8270 2.1850 1.9450 1.8530 1.5930 1.8530 73 2.2500 2.0895 2.1850 2.2500 2.0390 1.5930 2.0390
31 1.9620 1.8375 2.1850 1.9620 1.8570 1.5930 1.8570 74 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
32 1.9790 1.8480 2.1850 1.9790 1.8620 1.5930 1.8620 75 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
33 1.9960 1.8585 2.1850 1.9960 1.8660 1.5930 1.8660 76 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
34 2.0130 1.8690 2.1850 2.0130 1.8710 1.5930 1.8710 77 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
35 2.0300 1.8795 2.1850 2.0300 1.8750 1.5930 1.8750 78 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
36 2.0410 1.8900 2.1850 2.0410 1.8830 1.5930 1.8830 79 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
37 2.0520 1.9005 2.1850 2.0520 1.8910 1.5930 1.8910 80 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
38 2.0630 1.9110 2.1850 2.0630 1.8980 1.5930 1.8980 81 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
39 2.0740 1.9215 2.1850 2.0740 1.9060 1.5930 1.9060 82 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
40 2.0850 1.9320 2.1850 2.0850 1.9140 1.5930 1.9140 83 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
41 2.0960 1.9425 2.1850 2.0960 1.9220 1.5930 1.9220 84 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
42 2.1070 1.9530 2.1850 2.1070 1.9290 1.5930 1.9290 85 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
43 2.1180 1.9635 2.1850 2.1180 1.9370 1.5930 1.9370 86 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
44 2.1290 1.9740 2.1850 2.1290 1.9450 1.5930 1.9450 87 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
45 2.1400 1.9845 2.1850 2.1400 1.9530 1.5930 1.9530 88 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
46 2.1510 1.9950 2.1850 2.1510 1.9600 1.5930 1.9600 89 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
47 2.1620 2.0055 2.1850 2.1620 1.9680 1.5930 1.9680 90 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
48 2.1730 2.0160 2.1850 2.1730 1.9760 1.5930 1.9760 91 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
49 2.1840 2.0265 2.1850 2.1840 1.9840 1.5930 1.9840 92 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
50 2.1950 2.0370 2.1850 2.1950 1.9910 1.5930 1.9910 93 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
51 2.2060 2.0475 2.1850 2.2060 1.9990 1.5930 1.9990 94 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
52 2.2170 2.0580 2.1850 2.2170 2.0070 1.5930 2.0070 95 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
53 2.2280 2.0685 2.1850 2.2280 2.0150 1.5930 2.0150 96 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
54 2.2390 2.0790 2.1850 2.2390 2.0220 1.5930 2.0220 97 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
55 2.2500 2.0895 2.1850 2.2500 2.0300 1.5930 2.0300 98 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
56 2.2500 2.0895 2.1850 2.2500 2.0310 1.5930 2.0310 99 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400
57 2.2500 2.0895 2.1850 2.2500 2.0310 1.5930 2.0310
POINT SURCHARGE RELATIVITIES
March 2016 Oregon RF-41
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
4 Points 4 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 1.6800 1.8060 2.7750 1.6800 1.8800 2.0790 1.8800 58 2.6500 2.4255 2.7750 2.6500 2.3550 2.0790 2.3550
16 1.6800 1.8060 2.7750 1.6800 1.8800 2.0790 1.8800 59 2.6500 2.4255 2.7750 2.6500 2.3560 2.0790 2.3560
17 1.7230 1.8144 2.7750 1.7230 1.9000 2.0790 1.9000 60 2.6500 2.4255 2.7750 2.6500 2.3580 2.0790 2.3580
18 1.7650 1.8218 2.7750 1.7650 1.9200 2.0790 1.9200 61 2.6500 2.4255 2.7750 2.6500 2.3590 2.0790 2.3590
19 1.8080 1.8302 2.7750 1.8080 1.9400 2.0790 1.9400 62 2.6500 2.4255 2.7750 2.6500 2.3610 2.0790 2.3610
20 1.8500 1.8375 2.7750 1.8500 1.9600 2.0790 1.9600 63 2.6500 2.4255 2.7750 2.6500 2.3620 2.0790 2.3620
21 1.9080 1.8753 2.7750 1.9080 1.9900 2.0790 1.9900 64 2.6500 2.4255 2.7750 2.6500 2.3640 2.0790 2.3640
22 1.9660 1.9131 2.7750 1.9660 2.0200 2.0790 2.0200 65 2.6500 2.4255 2.7750 2.6500 2.3650 2.0790 2.3650
23 2.0240 1.9509 2.7750 2.0240 2.0500 2.0790 2.0500 66 2.6500 2.4255 2.7750 2.6500 2.3670 2.0790 2.3670
24 2.0820 1.9887 2.7750 2.0820 2.0800 2.0790 2.0800 67 2.6500 2.4255 2.7750 2.6500 2.3680 2.0790 2.3680
25 2.1400 2.0265 2.7750 2.1400 2.1100 2.0790 2.1100 68 2.6500 2.4255 2.7750 2.6500 2.3700 2.0790 2.3700
26 2.1650 2.0412 2.7750 2.1650 2.1170 2.0790 2.1170 69 2.6500 2.4255 2.7750 2.6500 2.3710 2.0790 2.3710
27 2.1900 2.0559 2.7750 2.1900 2.1230 2.0790 2.1230 70 2.6500 2.4255 2.7750 2.6500 2.3730 2.0790 2.3730
28 2.2150 2.0706 2.7750 2.2150 2.1300 2.0790 2.1300 71 2.6500 2.4255 2.7750 2.6500 2.3740 2.0790 2.3740
29 2.2400 2.0853 2.7750 2.2400 2.1360 2.0790 2.1360 72 2.6500 2.4255 2.7750 2.6500 2.3760 2.0790 2.3760
30 2.2650 2.1000 2.7750 2.2650 2.1430 2.0790 2.1430 73 2.6500 2.4255 2.7750 2.6500 2.3770 2.0790 2.3770
31 2.2900 2.1147 2.7750 2.2900 2.1490 2.0790 2.1490 74 2.6500 2.4255 2.7750 2.6500 2.3790 2.0790 2.3790
32 2.3150 2.1294 2.7750 2.3150 2.1560 2.0790 2.1560 75 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
33 2.3400 2.1441 2.7750 2.3400 2.1620 2.0790 2.1620 76 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
34 2.3650 2.1588 2.7750 2.3650 2.1690 2.0790 2.1690 77 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
35 2.3900 2.1735 2.7750 2.3900 2.1750 2.0790 2.1750 78 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
36 2.4030 2.1861 2.7750 2.4030 2.1840 2.0790 2.1840 79 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
37 2.4160 2.1987 2.7750 2.4160 2.1930 2.0790 2.1930 80 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
38 2.4290 2.2113 2.7750 2.4290 2.2010 2.0790 2.2010 81 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
39 2.4420 2.2239 2.7750 2.4420 2.2100 2.0790 2.2100 82 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
40 2.4550 2.2365 2.7750 2.4550 2.2190 2.0790 2.2190 83 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
41 2.4680 2.2491 2.7750 2.4680 2.2280 2.0790 2.2280 84 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
42 2.4810 2.2617 2.7750 2.4810 2.2360 2.0790 2.2360 85 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
43 2.4940 2.2743 2.7750 2.4940 2.2450 2.0790 2.2450 86 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
44 2.5070 2.2869 2.7750 2.5070 2.2540 2.0790 2.2540 87 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
45 2.5200 2.2995 2.7750 2.5200 2.2630 2.0790 2.2630 88 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
46 2.5330 2.3121 2.7750 2.5330 2.2710 2.0790 2.2710 89 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
47 2.5460 2.3247 2.7750 2.5460 2.2800 2.0790 2.2800 90 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
48 2.5590 2.3373 2.7750 2.5590 2.2890 2.0790 2.2890 91 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
49 2.5720 2.3499 2.7750 2.5720 2.2980 2.0790 2.2980 92 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
50 2.5850 2.3625 2.7750 2.5850 2.3060 2.0790 2.3060 93 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
51 2.5980 2.3751 2.7750 2.5980 2.3150 2.0790 2.3150 94 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
52 2.6110 2.3877 2.7750 2.6110 2.3240 2.0790 2.3240 95 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
53 2.6240 2.4003 2.7750 2.6240 2.3330 2.0790 2.3330 96 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
54 2.6370 2.4129 2.7750 2.6370 2.3410 2.0790 2.3410 97 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
55 2.6500 2.4255 2.7750 2.6500 2.3500 2.0790 2.3500 98 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
56 2.6500 2.4255 2.7750 2.6500 2.3520 2.0790 2.3520 99 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800
57 2.6500 2.4255 2.7750 2.6500 2.3530 2.0790 2.3530
POINT SURCHARGE RELATIVITIES
RF-42 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
5 Points 5 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 1.8800 2.0160 3.1750 1.8800 2.1400 2.4790 2.1400 58 3.0500 2.7615 3.1750 3.0500 2.6780 2.4790 2.6780
16 1.8800 2.0160 3.1750 1.8800 2.1400 2.4790 2.1400 59 3.0500 2.7615 3.1750 3.0500 2.6800 2.4790 2.6800
17 1.9330 2.0244 3.1750 1.9330 2.1650 2.4790 2.1650 60 3.0500 2.7615 3.1750 3.0500 2.6830 2.4790 2.6830
18 1.9850 2.0318 3.1750 1.9850 2.1900 2.4790 2.1900 61 3.0500 2.7615 3.1750 3.0500 2.6850 2.4790 2.6850
19 2.0380 2.0402 3.1750 2.0380 2.2150 2.4790 2.2150 62 3.0500 2.7615 3.1750 3.0500 2.6880 2.4790 2.6880
20 2.0900 2.0475 3.1750 2.0900 2.2400 2.4790 2.2400 63 3.0500 2.7615 3.1750 3.0500 2.6900 2.4790 2.6900
21 2.1560 2.0937 3.1750 2.1560 2.2700 2.4790 2.2700 64 3.0500 2.7615 3.1750 3.0500 2.6930 2.4790 2.6930
22 2.2220 2.1399 3.1750 2.2220 2.3000 2.4790 2.3000 65 3.0500 2.7615 3.1750 3.0500 2.6950 2.4790 2.6950
23 2.2880 2.1861 3.1750 2.2880 2.3300 2.4790 2.3300 66 3.0500 2.7615 3.1750 3.0500 2.6980 2.4790 2.6980
24 2.3540 2.2323 3.1750 2.3540 2.3600 2.4790 2.3600 67 3.0500 2.7615 3.1750 3.0500 2.7000 2.4790 2.7000
25 2.4200 2.2785 3.1750 2.4200 2.3900 2.4790 2.3900 68 3.0500 2.7615 3.1750 3.0500 2.7030 2.4790 2.7030
26 2.4530 2.2974 3.1750 2.4530 2.3990 2.4790 2.3990 69 3.0500 2.7615 3.1750 3.0500 2.7050 2.4790 2.7050
27 2.4860 2.3163 3.1750 2.4860 2.4070 2.4790 2.4070 70 3.0500 2.7615 3.1750 3.0500 2.7080 2.4790 2.7080
28 2.5190 2.3352 3.1750 2.5190 2.4160 2.4790 2.4160 71 3.0500 2.7615 3.1750 3.0500 2.7100 2.4790 2.7100
29 2.5520 2.3541 3.1750 2.5520 2.4240 2.4790 2.4240 72 3.0500 2.7615 3.1750 3.0500 2.7130 2.4790 2.7130
30 2.5850 2.3730 3.1750 2.5850 2.4330 2.4790 2.4330 73 3.0500 2.7615 3.1750 3.0500 2.7150 2.4790 2.7150
31 2.6180 2.3919 3.1750 2.6180 2.4410 2.4790 2.4410 74 3.0500 2.7615 3.1750 3.0500 2.7180 2.4790 2.7180
32 2.6510 2.4108 3.1750 2.6510 2.4500 2.4790 2.4500 75 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
33 2.6840 2.4297 3.1750 2.6840 2.4580 2.4790 2.4580 76 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
34 2.7170 2.4486 3.1750 2.7170 2.4670 2.4790 2.4670 77 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
35 2.7500 2.4675 3.1750 2.7500 2.4750 2.4790 2.4750 78 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
36 2.7650 2.4822 3.1750 2.7650 2.4850 2.4790 2.4850 79 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
37 2.7800 2.4969 3.1750 2.7800 2.4950 2.4790 2.4950 80 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
38 2.7950 2.5116 3.1750 2.7950 2.5040 2.4790 2.5040 81 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
39 2.8100 2.5263 3.1750 2.8100 2.5140 2.4790 2.5140 82 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
40 2.8250 2.5410 3.1750 2.8250 2.5240 2.4790 2.5240 83 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
41 2.8400 2.5557 3.1750 2.8400 2.5340 2.4790 2.5340 84 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
42 2.8550 2.5704 3.1750 2.8550 2.5430 2.4790 2.5430 85 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
43 2.8700 2.5851 3.1750 2.8700 2.5530 2.4790 2.5530 86 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
44 2.8850 2.5998 3.1750 2.8850 2.5630 2.4790 2.5630 87 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
45 2.9000 2.6145 3.1750 2.9000 2.5730 2.4790 2.5730 88 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
46 2.9150 2.6292 3.1750 2.9150 2.5820 2.4790 2.5820 89 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
47 2.9300 2.6439 3.1750 2.9300 2.5920 2.4790 2.5920 90 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
48 2.9450 2.6586 3.1750 2.9450 2.6020 2.4790 2.6020 91 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
49 2.9600 2.6733 3.1750 2.9600 2.6120 2.4790 2.6120 92 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
50 2.9750 2.6880 3.1750 2.9750 2.6210 2.4790 2.6210 93 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
51 2.9900 2.7027 3.1750 2.9900 2.6310 2.4790 2.6310 94 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
52 3.0050 2.7174 3.1750 3.0050 2.6410 2.4790 2.6410 95 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
53 3.0200 2.7321 3.1750 3.0200 2.6510 2.4790 2.6510 96 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
54 3.0350 2.7468 3.1750 3.0350 2.6600 2.4790 2.6600 97 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
55 3.0500 2.7615 3.1750 3.0500 2.6700 2.4790 2.6700 98 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
56 3.0500 2.7615 3.1750 3.0500 2.6730 2.4790 2.6730 99 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200
57 3.0500 2.7615 3.1750 3.0500 2.6750 2.4790 2.6750
POINT SURCHARGE RELATIVITIES
March 2016 Oregon RF-43
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
6 Points 6 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 2.0800 2.2260 3.5750 2.0800 2.4000 2.6270 2.4000 58 3.4500 3.0975 3.5750 3.4500 3.0010 2.6270 3.0010
16 2.0800 2.2260 3.5750 2.0800 2.4000 2.6270 2.4000 59 3.4500 3.0975 3.5750 3.4500 3.0040 2.6270 3.0040
17 2.1430 2.2344 3.5750 2.1430 2.4300 2.6270 2.4300 60 3.4500 3.0975 3.5750 3.4500 3.0080 2.6270 3.0080
18 2.2050 2.2418 3.5750 2.2050 2.4600 2.6270 2.4600 61 3.4500 3.0975 3.5750 3.4500 3.0110 2.6270 3.0110
19 2.2680 2.2502 3.5750 2.2680 2.4900 2.6270 2.4900 62 3.4500 3.0975 3.5750 3.4500 3.0150 2.6270 3.0150
20 2.3300 2.2575 3.5750 2.3300 2.5200 2.6270 2.5200 63 3.4500 3.0975 3.5750 3.4500 3.0180 2.6270 3.0180
21 2.4040 2.3121 3.5750 2.4040 2.5500 2.6270 2.5500 64 3.4500 3.0975 3.5750 3.4500 3.0220 2.6270 3.0220
22 2.4780 2.3667 3.5750 2.4780 2.5800 2.6270 2.5800 65 3.4500 3.0975 3.5750 3.4500 3.0250 2.6270 3.0250
23 2.5520 2.4213 3.5750 2.5520 2.6100 2.6270 2.6100 66 3.4500 3.0975 3.5750 3.4500 3.0290 2.6270 3.0290
24 2.6260 2.4759 3.5750 2.6260 2.6400 2.6270 2.6400 67 3.4500 3.0975 3.5750 3.4500 3.0320 2.6270 3.0320
25 2.7000 2.5305 3.5750 2.7000 2.6700 2.6270 2.6700 68 3.4500 3.0975 3.5750 3.4500 3.0360 2.6270 3.0360
26 2.7410 2.5536 3.5750 2.7410 2.6810 2.6270 2.6810 69 3.4500 3.0975 3.5750 3.4500 3.0390 2.6270 3.0390
27 2.7820 2.5767 3.5750 2.7820 2.6910 2.6270 2.6910 70 3.4500 3.0975 3.5750 3.4500 3.0430 2.6270 3.0430
28 2.8230 2.5998 3.5750 2.8230 2.7020 2.6270 2.7020 71 3.4500 3.0975 3.5750 3.4500 3.0460 2.6270 3.0460
29 2.8640 2.6229 3.5750 2.8640 2.7120 2.6270 2.7120 72 3.4500 3.0975 3.5750 3.4500 3.0500 2.6270 3.0500
30 2.9050 2.6460 3.5750 2.9050 2.7230 2.6270 2.7230 73 3.4500 3.0975 3.5750 3.4500 3.0530 2.6270 3.0530
31 2.9460 2.6691 3.5750 2.9460 2.7330 2.6270 2.7330 74 3.4500 3.0975 3.5750 3.4500 3.0570 2.6270 3.0570
32 2.9870 2.6922 3.5750 2.9870 2.7440 2.6270 2.7440 75 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
33 3.0280 2.7153 3.5750 3.0280 2.7540 2.6270 2.7540 76 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
34 3.0690 2.7384 3.5750 3.0690 2.7650 2.6270 2.7650 77 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
35 3.1100 2.7615 3.5750 3.1100 2.7750 2.6270 2.7750 78 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
36 3.1270 2.7783 3.5750 3.1270 2.7860 2.6270 2.7860 79 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
37 3.1440 2.7951 3.5750 3.1440 2.7970 2.6270 2.7970 80 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
38 3.1610 2.8119 3.5750 3.1610 2.8070 2.6270 2.8070 81 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
39 3.1780 2.8287 3.5750 3.1780 2.8180 2.6270 2.8180 82 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
40 3.1950 2.8455 3.5750 3.1950 2.8290 2.6270 2.8290 83 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
41 3.2120 2.8623 3.5750 3.2120 2.8400 2.6270 2.8400 84 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
42 3.2290 2.8791 3.5750 3.2290 2.8500 2.6270 2.8500 85 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
43 3.2460 2.8959 3.5750 3.2460 2.8610 2.6270 2.8610 86 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
44 3.2630 2.9127 3.5750 3.2630 2.8720 2.6270 2.8720 87 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
45 3.2800 2.9295 3.5750 3.2800 2.8830 2.6270 2.8830 88 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
46 3.2970 2.9463 3.5750 3.2970 2.8930 2.6270 2.8930 89 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
47 3.3140 2.9631 3.5750 3.3140 2.9040 2.6270 2.9040 90 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
48 3.3310 2.9799 3.5750 3.3310 2.9150 2.6270 2.9150 91 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
49 3.3480 2.9967 3.5750 3.3480 2.9260 2.6270 2.9260 92 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
50 3.3650 3.0135 3.5750 3.3650 2.9360 2.6270 2.9360 93 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
51 3.3820 3.0303 3.5750 3.3820 2.9470 2.6270 2.9470 94 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
52 3.3990 3.0471 3.5750 3.3990 2.9580 2.6270 2.9580 95 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
53 3.4160 3.0639 3.5750 3.4160 2.9690 2.6270 2.9690 96 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
54 3.4330 3.0807 3.5750 3.4330 2.9790 2.6270 2.9790 97 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
55 3.4500 3.0975 3.5750 3.4500 2.9900 2.6270 2.9900 98 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
56 3.4500 3.0975 3.5750 3.4500 2.9940 2.6270 2.9940 99 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600
57 3.4500 3.0975 3.5750 3.4500 2.9970 2.6270 2.9970
POINT SURCHARGE RELATIVITIES
RF-44 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
7 Points 7 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 2.2800 2.4360 3.9750 2.2800 2.6600 2.7750 2.6600 58 3.8500 3.4335 3.9750 3.8500 3.3240 2.7750 3.3240
16 2.2800 2.4360 3.9750 2.2800 2.6600 2.7750 2.6600 59 3.8500 3.4335 3.9750 3.8500 3.3280 2.7750 3.3280
17 2.3530 2.4444 3.9750 2.3530 2.6950 2.7750 2.6950 60 3.8500 3.4335 3.9750 3.8500 3.3330 2.7750 3.3330
18 2.4250 2.4518 3.9750 2.4250 2.7300 2.7750 2.7300 61 3.8500 3.4335 3.9750 3.8500 3.3370 2.7750 3.3370
19 2.4980 2.4602 3.9750 2.4980 2.7650 2.7750 2.7650 62 3.8500 3.4335 3.9750 3.8500 3.3420 2.7750 3.3420
20 2.5700 2.4675 3.9750 2.5700 2.8000 2.7750 2.8000 63 3.8500 3.4335 3.9750 3.8500 3.3460 2.7750 3.3460
21 2.6520 2.5305 3.9750 2.6520 2.8300 2.7750 2.8300 64 3.8500 3.4335 3.9750 3.8500 3.3510 2.7750 3.3510
22 2.7340 2.5935 3.9750 2.7340 2.8600 2.7750 2.8600 65 3.8500 3.4335 3.9750 3.8500 3.3550 2.7750 3.3550
23 2.8160 2.6565 3.9750 2.8160 2.8900 2.7750 2.8900 66 3.8500 3.4335 3.9750 3.8500 3.3600 2.7750 3.3600
24 2.8980 2.7195 3.9750 2.8980 2.9200 2.7750 2.9200 67 3.8500 3.4335 3.9750 3.8500 3.3640 2.7750 3.3640
25 2.9800 2.7825 3.9750 2.9800 2.9500 2.7750 2.9500 68 3.8500 3.4335 3.9750 3.8500 3.3690 2.7750 3.3690
26 3.0290 2.8098 3.9750 3.0290 2.9630 2.7750 2.9630 69 3.8500 3.4335 3.9750 3.8500 3.3730 2.7750 3.3730
27 3.0780 2.8371 3.9750 3.0780 2.9750 2.7750 2.9750 70 3.8500 3.4335 3.9750 3.8500 3.3780 2.7750 3.3780
28 3.1270 2.8644 3.9750 3.1270 2.9880 2.7750 2.9880 71 3.8500 3.4335 3.9750 3.8500 3.3820 2.7750 3.3820
29 3.1760 2.8917 3.9750 3.1760 3.0000 2.7750 3.0000 72 3.8500 3.4335 3.9750 3.8500 3.3870 2.7750 3.3870
30 3.2250 2.9190 3.9750 3.2250 3.0130 2.7750 3.0130 73 3.8500 3.4335 3.9750 3.8500 3.3910 2.7750 3.3910
31 3.2740 2.9463 3.9750 3.2740 3.0250 2.7750 3.0250 74 3.8500 3.4335 3.9750 3.8500 3.3960 2.7750 3.3960
32 3.3230 2.9736 3.9750 3.3230 3.0380 2.7750 3.0380 75 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
33 3.3720 3.0009 3.9750 3.3720 3.0500 2.7750 3.0500 76 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
34 3.4210 3.0282 3.9750 3.4210 3.0630 2.7750 3.0630 77 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
35 3.4700 3.0555 3.9750 3.4700 3.0750 2.7750 3.0750 78 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
36 3.4890 3.0744 3.9750 3.4890 3.0870 2.7750 3.0870 79 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
37 3.5080 3.0933 3.9750 3.5080 3.0990 2.7750 3.0990 80 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
38 3.5270 3.1122 3.9750 3.5270 3.1100 2.7750 3.1100 81 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
39 3.5460 3.1311 3.9750 3.5460 3.1220 2.7750 3.1220 82 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
40 3.5650 3.1500 3.9750 3.5650 3.1340 2.7750 3.1340 83 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
41 3.5840 3.1689 3.9750 3.5840 3.1460 2.7750 3.1460 84 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
42 3.6030 3.1878 3.9750 3.6030 3.1570 2.7750 3.1570 85 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
43 3.6220 3.2067 3.9750 3.6220 3.1690 2.7750 3.1690 86 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
44 3.6410 3.2256 3.9750 3.6410 3.1810 2.7750 3.1810 87 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
45 3.6600 3.2445 3.9750 3.6600 3.1930 2.7750 3.1930 88 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
46 3.6790 3.2634 3.9750 3.6790 3.2040 2.7750 3.2040 89 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
47 3.6980 3.2823 3.9750 3.6980 3.2160 2.7750 3.2160 90 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
48 3.7170 3.3012 3.9750 3.7170 3.2280 2.7750 3.2280 91 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
49 3.7360 3.3201 3.9750 3.7360 3.2400 2.7750 3.2400 92 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
50 3.7550 3.3390 3.9750 3.7550 3.2510 2.7750 3.2510 93 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
51 3.7740 3.3579 3.9750 3.7740 3.2630 2.7750 3.2630 94 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
52 3.7930 3.3768 3.9750 3.7930 3.2750 2.7750 3.2750 95 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
53 3.8120 3.3957 3.9750 3.8120 3.2870 2.7750 3.2870 96 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
54 3.8310 3.4146 3.9750 3.8310 3.2980 2.7750 3.2980 97 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
55 3.8500 3.4335 3.9750 3.8500 3.3100 2.7750 3.3100 98 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
56 3.8500 3.4335 3.9750 3.8500 3.3150 2.7750 3.3150 99 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000
57 3.8500 3.4335 3.9750 3.8500 3.3190 2.7750 3.3190
POINT SURCHARGE RELATIVITIES
March 2016 Oregon RF-45
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
8 Points 8 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 2.4992 2.6658 4.4198 2.4992 2.9482 2.9313 2.9482 58 4.2964 3.8059 4.4198 4.2964 3.6818 2.9313 3.6818
16 2.4992 2.6658 4.4198 2.4992 2.9482 2.9313 2.9482 59 4.2964 3.8059 4.4198 4.2964 3.6869 2.9313 3.6869
17 2.5836 2.6741 4.4198 2.5836 2.9889 2.9313 2.9889 60 4.2964 3.8059 4.4198 4.2964 3.6931 2.9313 3.6931
18 2.6670 2.6815 4.4198 2.6670 3.0296 2.9313 3.0296 61 4.2964 3.8059 4.4198 4.2964 3.6983 2.9313 3.6983
19 2.7513 2.6898 4.4198 2.7513 3.0704 2.9313 3.0704 62 4.2964 3.8059 4.4198 4.2964 3.7045 2.9313 3.7045
20 2.8347 2.6970 4.4198 2.8347 3.1111 2.9313 3.1111 63 4.2964 3.8059 4.4198 4.2964 3.7096 2.9313 3.7096
21 2.9256 2.7695 4.4198 2.9256 3.1407 2.9313 3.1407 64 4.2964 3.8059 4.4198 4.2964 3.7158 2.9313 3.7158
22 3.0164 2.8420 4.4198 3.0164 3.1704 2.9313 3.1704 65 4.2964 3.8059 4.4198 4.2964 3.7210 2.9313 3.7210
23 3.1073 2.9145 4.4198 3.1073 3.2000 2.9313 3.2000 66 4.2964 3.8059 4.4198 4.2964 3.7272 2.9313 3.7272
24 3.1982 2.9871 4.4198 3.1982 3.2297 2.9313 3.2297 67 4.2964 3.8059 4.4198 4.2964 3.7324 2.9313 3.7324
25 3.2890 3.0596 4.4198 3.2890 3.2594 2.9313 3.2594 68 4.2964 3.8059 4.4198 4.2964 3.7385 2.9313 3.7385
26 3.3473 3.0917 4.4198 3.3473 3.2747 2.9313 3.2747 69 4.2964 3.8059 4.4198 4.2964 3.7437 2.9313 3.7437
27 3.4055 3.1238 4.4198 3.4055 3.2890 2.9313 3.2890 70 4.2964 3.8059 4.4198 4.2964 3.7499 2.9313 3.7499
28 3.4637 3.1559 4.4198 3.4637 3.3043 2.9313 3.3043 71 4.2964 3.8059 4.4198 4.2964 3.7551 2.9313 3.7551
29 3.5220 3.1880 4.4198 3.5220 3.3186 2.9313 3.3186 72 4.2964 3.8059 4.4198 4.2964 3.7612 2.9313 3.7612
30 3.5802 3.2202 4.4198 3.5802 3.3339 2.9313 3.3339 73 4.2964 3.8059 4.4198 4.2964 3.7664 2.9313 3.7664
31 3.6385 3.2523 4.4198 3.6385 3.3482 2.9313 3.3482 74 4.2964 3.8059 4.4198 4.2964 3.7726 2.9313 3.7726
32 3.6968 3.2844 4.4198 3.6968 3.3635 2.9313 3.3635 75 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
33 3.7551 3.3165 4.4198 3.7551 3.3778 2.9313 3.3778 76 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
34 3.8134 3.3487 4.4198 3.8134 3.3931 2.9313 3.3931 77 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
35 3.8717 3.3808 4.4198 3.8717 3.4074 2.9313 3.4074 78 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
36 3.8929 3.4021 4.4198 3.8929 3.4205 2.9313 3.4205 79 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
37 3.9141 3.4233 4.4198 3.9141 3.4336 2.9313 3.4336 80 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
38 3.9354 3.4446 4.4198 3.9354 3.4457 2.9313 3.4457 81 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
39 3.9566 3.4658 4.4198 3.9566 3.4588 2.9313 3.4588 82 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
40 3.9778 3.4871 4.4198 3.9778 3.4719 2.9313 3.4719 83 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
41 3.9991 3.5083 4.4198 3.9991 3.4850 2.9313 3.4850 84 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
42 4.0203 3.5296 4.4198 4.0203 3.4971 2.9313 3.4971 85 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
43 4.0416 3.5509 4.4198 4.0416 3.5102 2.9313 3.5102 86 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
44 4.0628 3.5721 4.4198 4.0628 3.5232 2.9313 3.5232 87 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
45 4.0840 3.5934 4.4198 4.0840 3.5363 2.9313 3.5363 88 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
46 4.1053 3.6146 4.4198 4.1053 3.5484 2.9313 3.5484 89 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
47 4.1265 3.6359 4.4198 4.1265 3.5615 2.9313 3.5615 90 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
48 4.1477 3.6571 4.4198 4.1477 3.5746 2.9313 3.5746 91 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
49 4.1690 3.6784 4.4198 4.1690 3.5877 2.9313 3.5877 92 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
50 4.1902 3.6997 4.4198 4.1902 3.5998 2.9313 3.5998 93 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
51 4.2114 3.7209 4.4198 4.2114 3.6129 2.9313 3.6129 94 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
52 4.2327 3.7422 4.4198 4.2327 3.6260 2.9313 3.6260 95 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
53 4.2539 3.7634 4.4198 4.2539 3.6391 2.9313 3.6391 96 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
54 4.2751 3.7847 4.4198 4.2751 3.6512 2.9313 3.6512 97 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
55 4.2964 3.8059 4.4198 4.2964 3.6642 2.9313 3.6642 98 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
56 4.2964 3.8059 4.4198 4.2964 3.6704 2.9313 3.6704 99 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778
57 4.2964 3.8059 4.4198 4.2964 3.6756 2.9313 3.6756
POINT SURCHARGE RELATIVITIES
RF-46 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
9 Points 9 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 2.7395 2.9173 4.9144 2.7395 3.2676 3.0964 3.2676 58 4.7946 4.2187 4.9144 4.7946 4.0781 3.0964 4.0781
16 2.7395 2.9173 4.9144 2.7395 3.2676 3.0964 3.2676 59 4.7946 4.2187 4.9144 4.7946 4.0845 3.0964 4.0845
17 2.8368 2.9254 4.9144 2.8368 3.3149 3.0964 3.3149 60 4.7946 4.2187 4.9144 4.7946 4.0921 3.0964 4.0921
18 2.9332 2.9327 4.9144 2.9332 3.3621 3.0964 3.3621 61 4.7946 4.2187 4.9144 4.7946 4.0987 3.0964 4.0987
19 3.0303 2.9408 4.9144 3.0303 3.4095 3.0964 3.4095 62 4.7946 4.2187 4.9144 4.7946 4.1063 3.0964 4.1063
20 3.1267 2.9478 4.9144 3.1267 3.4568 3.0964 3.4568 63 4.7946 4.2187 4.9144 4.7946 4.1127 3.0964 4.1127
21 3.2274 3.0311 4.9144 3.2274 3.4855 3.0964 3.4855 64 4.7946 4.2187 4.9144 4.7946 4.1203 3.0964 4.1203
22 3.3280 3.1143 4.9144 3.3280 3.5145 3.0964 3.5145 65 4.7946 4.2187 4.9144 4.7946 4.1269 3.0964 4.1269
23 3.4287 3.1976 4.9144 3.4287 3.5433 3.0964 3.5433 66 4.7946 4.2187 4.9144 4.7946 4.1345 3.0964 4.1345
24 3.5295 3.2810 4.9144 3.5295 3.5722 3.0964 3.5722 67 4.7946 4.2187 4.9144 4.7946 4.1411 3.0964 4.1411
25 3.6300 3.3643 4.9144 3.6300 3.6013 3.0964 3.6013 68 4.7946 4.2187 4.9144 4.7946 4.1485 3.0964 4.1485
26 3.6990 3.4019 4.9144 3.6990 3.6192 3.0964 3.6192 69 4.7946 4.2187 4.9144 4.7946 4.1551 3.0964 4.1551
27 3.7678 3.4395 4.9144 3.7678 3.6361 3.0964 3.6361 70 4.7946 4.2187 4.9144 4.7946 4.1627 3.0964 4.1627
28 3.8367 3.4771 4.9144 3.8367 3.6541 3.0964 3.6541 71 4.7946 4.2187 4.9144 4.7946 4.1694 3.0964 4.1694
29 3.9057 3.5147 4.9144 3.9057 3.6710 3.0964 3.6710 72 4.7946 4.2187 4.9144 4.7946 4.1767 3.0964 4.1767
30 3.9745 3.5525 4.9144 3.9745 3.6890 3.0964 3.6890 73 4.7946 4.2187 4.9144 4.7946 4.1834 3.0964 4.1834
31 4.0436 3.5901 4.9144 4.0436 3.7059 3.0964 3.7059 74 4.7946 4.2187 4.9144 4.7946 4.1910 3.0964 4.1910
32 4.1126 3.6277 4.9144 4.1126 3.7239 3.0964 3.7239 75 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
33 4.1817 3.6653 4.9144 4.1817 3.7408 3.0964 3.7408 76 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
34 4.2508 3.7031 4.9144 4.2508 3.7588 3.0964 3.7588 77 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
35 4.3199 3.7407 4.9144 4.3199 3.7757 3.0964 3.7757 78 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
36 4.3436 3.7647 4.9144 4.3436 3.7900 3.0964 3.7900 79 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
37 4.3672 3.7885 4.9144 4.3672 3.8043 3.0964 3.8043 80 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
38 4.3911 3.8125 4.9144 4.3911 3.8176 3.0964 3.8176 81 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
39 4.4147 3.8363 4.9144 4.4147 3.8319 3.0964 3.8319 82 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
40 4.4384 3.8603 4.9144 4.4384 3.8462 3.0964 3.8462 83 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
41 4.4623 3.8841 4.9144 4.4623 3.8605 3.0964 3.8605 84 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
42 4.4859 3.9080 4.9144 4.4859 3.8738 3.0964 3.8738 85 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
43 4.5098 3.9320 4.9144 4.5098 3.8881 3.0964 3.8881 86 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
44 4.5335 3.9558 4.9144 4.5335 3.9022 3.0964 3.9022 87 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
45 4.5571 3.9798 4.9144 4.5571 3.9165 3.0964 3.9165 88 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
46 4.5810 4.0036 4.9144 4.5810 3.9298 3.0964 3.9298 89 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
47 4.6047 4.0276 4.9144 4.6047 3.9441 3.0964 3.9441 90 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
48 4.6283 4.0514 4.9144 4.6283 3.9584 3.0964 3.9584 91 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
49 4.6522 4.0754 4.9144 4.6522 3.9727 3.0964 3.9727 92 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
50 4.6758 4.0994 4.9144 4.6758 3.9860 3.0964 3.9860 93 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
51 4.6995 4.1231 4.9144 4.6995 4.0003 3.0964 4.0003 94 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
52 4.7234 4.1471 4.9144 4.7234 4.0146 3.0964 4.0146 95 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
53 4.7470 4.1709 4.9144 4.7470 4.0289 3.0964 4.0289 96 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
54 4.7707 4.1949 4.9144 4.7707 4.0422 3.0964 4.0422 97 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
55 4.7946 4.2187 4.9144 4.7946 4.0563 3.0964 4.0563 98 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
56 4.7946 4.2187 4.9144 4.7946 4.0639 3.0964 4.0639 99 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976
57 4.7946 4.2187 4.9144 4.7946 4.0705 3.0964 4.0705
POINT SURCHARGE RELATIVITIES
March 2016 Oregon RF-47
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
10 Points 10 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 3.0029 3.1925 5.4643 3.0029 3.6216 3.2708 3.6216 58 5.3506 4.6763 5.4643 5.3506 4.5171 3.2708 4.5171
16 3.0029 3.1925 5.4643 3.0029 3.6216 3.2708 3.6216 59 5.3506 4.6763 5.4643 5.3506 4.5250 3.2708 4.5250
17 3.1148 3.2003 5.4643 3.1148 3.6765 3.2708 3.6765 60 5.3506 4.6763 5.4643 5.3506 4.5342 3.2708 4.5342
18 3.2260 3.2074 5.4643 3.2260 3.7311 3.2708 3.7311 61 5.3506 4.6763 5.4643 5.3506 4.5424 3.2708 4.5424
19 3.3376 3.2152 5.4643 3.3376 3.7861 3.2708 3.7861 62 5.3506 4.6763 5.4643 5.3506 4.5517 3.2708 4.5517
20 3.4488 3.2219 5.4643 3.4488 3.8409 3.2708 3.8409 63 5.3506 4.6763 5.4643 5.3506 4.5596 3.2708 4.5596
21 3.5603 3.3174 5.4643 3.5603 3.8682 3.2708 3.8682 64 5.3506 4.6763 5.4643 5.3506 4.5688 3.2708 4.5688
22 3.6718 3.4127 5.4643 3.6718 3.8959 3.2708 3.8959 65 5.3506 4.6763 5.4643 5.3506 4.5771 3.2708 4.5771
23 3.7833 3.5082 5.4643 3.7833 3.9234 3.2708 3.9234 66 5.3506 4.6763 5.4643 5.3506 4.5863 3.2708 4.5863
24 3.8951 3.6038 5.4643 3.8951 3.9510 3.2708 3.9510 67 5.3506 4.6763 5.4643 5.3506 4.5946 3.2708 4.5946
25 4.0064 3.6993 5.4643 4.0064 3.9791 3.2708 3.9791 68 5.3506 4.6763 5.4643 5.3506 4.6035 3.2708 4.6035
26 4.0877 3.7432 5.4643 4.0877 3.9999 3.2708 3.9999 69 5.3506 4.6763 5.4643 5.3506 4.6117 3.2708 4.6117
27 4.1686 3.7871 5.4643 4.1686 4.0198 3.2708 4.0198 70 5.3506 4.6763 5.4643 5.3506 4.6209 3.2708 4.6209
28 4.2499 3.8310 5.4643 4.2499 4.0409 3.2708 4.0409 71 5.3506 4.6763 5.4643 5.3506 4.6294 3.2708 4.6294
29 4.3312 3.8749 5.4643 4.3312 4.0608 3.2708 4.0608 72 5.3506 4.6763 5.4643 5.3506 4.6381 3.2708 4.6381
30 4.4122 3.9191 5.4643 4.4122 4.0819 3.2708 4.0819 73 5.3506 4.6763 5.4643 5.3506 4.6466 3.2708 4.6466
31 4.4938 3.9630 5.4643 4.4938 4.1018 3.2708 4.1018 74 5.3506 4.6763 5.4643 5.3506 4.6558 3.2708 4.6558
32 4.5752 4.0069 5.4643 4.5752 4.1229 3.2708 4.1229 75 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
33 4.6568 4.0508 5.4643 4.6568 4.1428 3.2708 4.1428 76 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
34 4.7384 4.0950 5.4643 4.7384 4.1639 3.2708 4.1639 77 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
35 4.8200 4.1389 5.4643 4.8200 4.1838 3.2708 4.1838 78 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
36 4.8465 4.1659 5.4643 4.8465 4.1994 3.2708 4.1994 79 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
37 4.8728 4.1927 5.4643 4.8728 4.2150 3.2708 4.2150 80 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
38 4.8996 4.2197 5.4643 4.8996 4.2296 3.2708 4.2296 81 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
39 4.9258 4.2464 5.4643 4.9258 4.2452 3.2708 4.2452 82 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
40 4.9523 4.2734 5.4643 4.9523 4.2609 3.2708 4.2609 83 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
41 4.9792 4.3002 5.4643 4.9792 4.2765 3.2708 4.2765 84 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
42 5.0054 4.3270 5.4643 5.0054 4.2911 3.2708 4.2911 85 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
43 5.0322 4.3540 5.4643 5.0322 4.3067 3.2708 4.3067 86 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
44 5.0587 4.3807 5.4643 5.0587 4.3220 3.2708 4.3220 87 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
45 5.0850 4.4077 5.4643 5.0850 4.3376 3.2708 4.3376 88 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
46 5.1118 4.4345 5.4643 5.1118 4.3522 3.2708 4.3522 89 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
47 5.1383 4.4615 5.4643 5.1383 4.3678 3.2708 4.3678 90 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
48 5.1646 4.4882 5.4643 5.1646 4.3834 3.2708 4.3834 91 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
49 5.1914 4.5152 5.4643 5.1914 4.3990 3.2708 4.3990 92 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
50 5.2177 4.5423 5.4643 5.2177 4.4136 3.2708 4.4136 93 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
51 5.2442 4.5688 5.4643 5.2442 4.4292 3.2708 4.4292 94 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
52 5.2710 4.5958 5.4643 5.2710 4.4448 3.2708 4.4448 95 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
53 5.2973 4.6225 5.4643 5.2973 4.4605 3.2708 4.4605 96 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
54 5.3238 4.6496 5.4643 5.3238 4.4751 3.2708 4.4751 97 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
55 5.3506 4.6763 5.4643 5.3506 4.4904 3.2708 4.4904 98 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
56 5.3506 4.6763 5.4643 5.3506 4.4996 3.2708 4.4996 99 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640
57 5.3506 4.6763 5.4643 5.3506 4.5078 3.2708 4.5078
POINT SURCHARGE RELATIVITIES
RF-48 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
11 Points 11 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 3.2916 3.4937 6.0757 3.2916 4.0140 3.4550 4.0140 58 5.9711 5.1835 6.0757 5.9711 5.0034 3.4550 5.0034
16 3.2916 3.4937 6.0757 3.2916 4.0140 3.4550 4.0140 59 5.9711 5.1835 6.0757 5.9711 5.0130 3.4550 5.0130
17 3.4200 3.5010 6.0757 3.4200 4.0775 3.4550 4.0775 60 5.9711 5.1835 6.0757 5.9711 5.0241 3.4550 5.0241
18 3.5480 3.5078 6.0757 3.5480 4.1406 3.4550 4.1406 61 5.9711 5.1835 6.0757 5.9711 5.0341 3.4550 5.0341
19 3.6761 3.5152 6.0757 3.6761 4.2043 3.4550 4.2043 62 5.9711 5.1835 6.0757 5.9711 5.0454 3.4550 5.0454
20 3.8041 3.5215 6.0757 3.8041 4.2677 3.4550 4.2677 63 5.9711 5.1835 6.0757 5.9711 5.0551 3.4550 5.0551
21 3.9275 3.6307 6.0757 3.9275 4.2929 3.4550 4.2929 64 5.9711 5.1835 6.0757 5.9711 5.0661 3.4550 5.0661
22 4.0511 3.7397 6.0757 4.0511 4.3187 3.4550 4.3187 65 5.9711 5.1835 6.0757 5.9711 5.0764 3.4550 5.0764
23 4.1746 3.8490 6.0757 4.1746 4.3443 3.4550 4.3443 66 5.9711 5.1835 6.0757 5.9711 5.0875 3.4550 5.0875
24 4.2986 3.9584 6.0757 4.2986 4.3700 3.4550 4.3700 67 5.9711 5.1835 6.0757 5.9711 5.0978 3.4550 5.0978
25 4.4218 4.0677 6.0757 4.4218 4.3965 3.4550 4.3965 68 5.9711 5.1835 6.0757 5.9711 5.1084 3.4550 5.1084
26 4.5172 4.1187 6.0757 4.5172 4.4206 3.4550 4.4206 69 5.9711 5.1835 6.0757 5.9711 5.1185 3.4550 5.1185
27 4.6120 4.1698 6.0757 4.6120 4.4440 3.4550 4.4440 70 5.9711 5.1835 6.0757 5.9711 5.1295 3.4550 5.1295
28 4.7076 4.2209 6.0757 4.7076 4.4686 3.4550 4.4686 71 5.9711 5.1835 6.0757 5.9711 5.1402 3.4550 5.1402
29 4.8031 4.2720 6.0757 4.8031 4.4920 3.4550 4.4920 72 5.9711 5.1835 6.0757 5.9711 5.1505 3.4550 5.1505
30 4.8981 4.3235 6.0757 4.8981 4.5166 3.4550 4.5166 73 5.9711 5.1835 6.0757 5.9711 5.1611 3.4550 5.1611
31 4.9941 4.3746 6.0757 4.9941 4.5400 3.4550 4.5400 74 5.9711 5.1835 6.0757 5.9711 5.1721 3.4550 5.1721
32 5.0898 4.4257 6.0757 5.0898 4.5647 3.4550 4.5647 75 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
33 5.1859 4.4768 6.0757 5.1859 4.5880 3.4550 4.5880 76 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
34 5.2819 4.5284 6.0757 5.2819 4.6127 3.4550 4.6127 77 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
35 5.3780 4.5795 6.0757 5.3780 4.6360 3.4550 4.6360 78 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
36 5.4076 4.6099 6.0757 5.4076 4.6530 3.4550 4.6530 79 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
37 5.4369 4.6400 6.0757 5.4369 4.6700 3.4550 4.6700 80 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
38 5.4670 4.6704 6.0757 5.4670 4.6861 3.4550 4.6861 81 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
39 5.4961 4.7003 6.0757 5.4961 4.7031 3.4550 4.7031 82 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
40 5.5257 4.7307 6.0757 5.5257 4.7203 3.4550 4.7203 83 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
41 5.5560 4.7609 6.0757 5.5560 4.7373 3.4550 4.7373 84 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
42 5.5851 4.7909 6.0757 5.5851 4.7534 3.4550 4.7534 85 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
43 5.6151 4.8213 6.0757 5.6151 4.7704 3.4550 4.7704 86 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
44 5.6447 4.8512 6.0757 5.6447 4.7870 3.4550 4.7870 87 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
45 5.6741 4.8816 6.0757 5.6741 4.8040 3.4550 4.8040 88 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
46 5.7041 4.9118 6.0757 5.7041 4.8200 3.4550 4.8200 89 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
47 5.7337 4.9421 6.0757 5.7337 4.8370 3.4550 4.8370 90 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
48 5.7630 4.9721 6.0757 5.7630 4.8540 3.4550 4.8540 91 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
49 5.7931 5.0025 6.0757 5.7931 4.8710 3.4550 4.8710 92 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
50 5.8224 5.0331 6.0757 5.8224 4.8871 3.4550 4.8871 93 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
51 5.8520 5.0627 6.0757 5.8520 4.9041 3.4550 4.9041 94 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
52 5.8821 5.0930 6.0757 5.8821 4.9211 3.4550 4.9211 95 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
53 5.9114 5.1230 6.0757 5.9114 4.9383 3.4550 4.9383 96 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
54 5.9410 5.1536 6.0757 5.9410 4.9544 3.4550 4.9544 97 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
55 5.9711 5.1835 6.0757 5.9711 4.9710 3.4550 4.9710 98 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
56 5.9711 5.1835 6.0757 5.9711 4.9820 3.4550 4.9820 99 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822
57 5.9711 5.1835 6.0757 5.9711 4.9921 3.4550 4.9921
POINT SURCHARGE RELATIVITIES
March 2016 Oregon RF-49
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
12 Points 12 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 3.6081 3.8233 6.7555 3.6081 4.4489 3.6496 4.4489 58 6.6636 5.7457 6.7555 6.6636 5.5421 3.6496 5.5421
16 3.6081 3.8233 6.7555 3.6081 4.4489 3.6496 4.4489 59 6.6636 5.7457 6.7555 6.6636 5.5536 3.6496 5.5536
17 3.7551 3.8300 6.7555 3.7551 4.5222 3.6496 4.5222 60 6.6636 5.7457 6.7555 6.6636 5.5669 3.6496 5.5669
18 3.9021 3.8363 6.7555 3.9021 4.5950 3.6496 4.5950 61 6.6636 5.7457 6.7555 6.6636 5.5790 3.6496 5.5790
19 4.0489 3.8432 6.7555 4.0489 4.6687 3.6496 4.6687 62 6.6636 5.7457 6.7555 6.6636 5.5926 3.6496 5.5926
20 4.1960 3.8490 6.7555 4.1960 4.7419 3.6496 4.7419 63 6.6636 5.7457 6.7555 6.6636 5.6044 3.6496 5.6044
21 4.3326 3.9736 6.7555 4.3326 4.7642 3.6496 4.7642 64 6.6636 5.7457 6.7555 6.6636 5.6175 3.6496 5.6175
22 4.4696 4.0980 6.7555 4.4696 4.7874 3.6496 4.7874 65 6.6636 5.7457 6.7555 6.6636 5.6302 3.6496 5.6302
23 4.6064 4.2229 6.7555 4.6064 4.8104 3.6496 4.8104 66 6.6636 5.7457 6.7555 6.6636 5.6435 3.6496 5.6435
24 4.7439 4.3479 6.7555 4.7439 4.8334 3.6496 4.8334 67 6.6636 5.7457 6.7555 6.6636 5.6561 3.6496 5.6561
25 4.8803 4.4728 6.7555 4.8803 4.8577 3.6496 4.8577 68 6.6636 5.7457 6.7555 6.6636 5.6687 3.6496 5.6687
26 4.9918 4.5319 6.7555 4.9918 4.8855 3.6496 4.8855 69 6.6636 5.7457 6.7555 6.6636 5.6810 3.6496 5.6810
27 5.1026 4.5912 6.7555 5.1026 4.9130 3.6496 4.9130 70 6.6636 5.7457 6.7555 6.6636 5.6941 3.6496 5.6941
28 5.2146 4.6505 6.7555 5.2146 4.9416 3.6496 4.9416 71 6.6636 5.7457 6.7555 6.6636 5.7074 3.6496 5.7074
29 5.3264 4.7098 6.7555 5.3264 4.9690 3.6496 4.9690 72 6.6636 5.7457 6.7555 6.6636 5.7195 3.6496 5.7195
30 5.4375 4.7696 6.7555 5.4375 4.9976 3.6496 4.9976 73 6.6636 5.7457 6.7555 6.6636 5.7326 3.6496 5.7326
31 5.5501 4.8289 6.7555 5.5501 5.0250 3.6496 5.0250 74 6.6636 5.7457 6.7555 6.6636 5.7457 3.6496 5.7457
32 5.6623 4.8883 6.7555 5.6623 5.0538 3.6496 5.0538 75 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
33 5.7751 4.9476 6.7555 5.7751 5.0810 3.6496 5.0810 76 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
34 5.8877 5.0077 6.7555 5.8877 5.1099 3.6496 5.1099 77 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
35 6.0006 5.0670 6.7555 6.0006 5.1371 3.6496 5.1371 78 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
36 6.0337 5.1012 6.7555 6.0337 5.1556 3.6496 5.1556 79 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
37 6.0663 5.1350 6.7555 6.0663 5.1741 3.6496 5.1741 80 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
38 6.1001 5.1692 6.7555 6.1001 5.1919 3.6496 5.1919 81 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
39 6.1324 5.2027 6.7555 6.1324 5.2104 3.6496 5.2104 82 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
40 6.1655 5.2369 6.7555 6.1655 5.2292 3.6496 5.2292 83 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
41 6.1996 5.2710 6.7555 6.1996 5.2478 3.6496 5.2478 84 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
42 6.2319 5.3045 6.7555 6.2319 5.2655 3.6496 5.2655 85 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
43 6.2655 5.3388 6.7555 6.2655 5.2840 3.6496 5.2840 86 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
44 6.2986 5.3722 6.7555 6.2986 5.3020 3.6496 5.3020 87 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
45 6.3314 5.4065 6.7555 6.3314 5.3205 3.6496 5.3205 88 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
46 6.3650 5.4405 6.7555 6.3650 5.3381 3.6496 5.3381 89 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
47 6.3981 5.4745 6.7555 6.3981 5.3566 3.6496 5.3566 90 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
48 6.4307 5.5082 6.7555 6.4307 5.3751 3.6496 5.3751 91 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
49 6.4645 5.5424 6.7555 6.4645 5.3936 3.6496 5.3936 92 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
50 6.4972 5.5769 6.7555 6.4972 5.4114 3.6496 5.4114 93 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
51 6.5302 5.6100 6.7555 6.5302 5.4299 3.6496 5.4299 94 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
52 6.5640 5.6440 6.7555 6.5640 5.4484 3.6496 5.4484 95 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
53 6.5967 5.6777 6.7555 6.5967 5.4673 3.6496 5.4673 96 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
54 6.6298 5.7122 6.7555 6.6298 5.4850 3.6496 5.4850 97 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
55 6.6636 5.7457 6.7555 6.6636 5.5030 3.6496 5.5030 98 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
56 6.6636 5.7457 6.7555 6.6636 5.5161 3.6496 5.5161 99 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580
57 6.6636 5.7457 6.7555 6.6636 5.5284 3.6496 5.5284
POINT SURCHARGE RELATIVITIES
RF-50 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
13 Points 13 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 3.9550 4.1840 7.5114 3.9550 4.9309 3.8552 4.9309 58 7.4364 6.3689 7.5114 7.4364 6.1388 3.8552 6.1388
16 3.9550 4.1840 7.5114 3.9550 4.9309 3.8552 4.9309 59 7.4364 6.3689 7.5114 7.4364 6.1525 3.8552 6.1525
17 4.1230 4.1899 7.5114 4.1230 5.0154 3.8552 5.0154 60 7.4364 6.3689 7.5114 7.4364 6.1683 3.8552 6.1683
18 4.2915 4.1956 7.5114 4.2915 5.0993 3.8552 5.0993 61 7.4364 6.3689 7.5114 7.4364 6.1829 3.8552 6.1829
19 4.4595 4.2018 7.5114 4.4595 5.1844 3.8552 5.1844 62 7.4364 6.3689 7.5114 7.4364 6.1991 3.8552 6.1991
20 4.6283 4.2070 7.5114 4.6283 5.2688 3.8552 5.2688 63 7.4364 6.3689 7.5114 7.4364 6.2134 3.8552 6.2134
21 4.7795 4.3489 7.5114 4.7795 5.2872 3.8552 5.2872 64 7.4364 6.3689 7.5114 7.4364 6.2289 3.8552 6.2289
22 4.9313 4.4906 7.5114 4.9313 5.3070 3.8552 5.3070 65 7.4364 6.3689 7.5114 7.4364 6.2444 3.8552 6.2444
23 5.0829 4.6331 7.5114 5.0829 5.3265 3.8552 5.3265 66 7.4364 6.3689 7.5114 7.4364 6.2603 3.8552 6.2603
24 5.2353 4.7757 7.5114 5.2353 5.3459 3.8552 5.3459 67 7.4364 6.3689 7.5114 7.4364 6.2755 3.8552 6.2755
25 5.3863 4.9182 7.5114 5.3863 5.3673 3.8552 5.3673 68 7.4364 6.3689 7.5114 7.4364 6.2905 3.8552 6.2905
26 5.5163 4.9866 7.5114 5.5163 5.3993 3.8552 5.3993 69 7.4364 6.3689 7.5114 7.4364 6.3053 3.8552 6.3053
27 5.6454 5.0552 7.5114 5.6454 5.4315 3.8552 5.4315 70 7.4364 6.3689 7.5114 7.4364 6.3208 3.8552 6.3208
28 5.7762 5.1238 7.5114 5.7762 5.4647 3.8552 5.4647 71 7.4364 6.3689 7.5114 7.4364 6.3372 3.8552 6.3372
29 5.9067 5.1925 7.5114 5.9067 5.4967 3.8552 5.4967 72 7.4364 6.3689 7.5114 7.4364 6.3514 3.8552 6.3514
30 6.0363 5.2617 7.5114 6.0363 5.5298 3.8552 5.5298 73 7.4364 6.3689 7.5114 7.4364 6.3674 3.8552 6.3674
31 6.1680 5.3304 7.5114 6.1680 5.5618 3.8552 5.5618 74 7.4364 6.3689 7.5114 7.4364 6.3829 3.8552 6.3829
32 6.2992 5.3993 7.5114 6.2992 5.5953 3.8552 5.5953 75 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
33 6.4312 5.4679 7.5114 6.4312 5.6270 3.8552 5.6270 76 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
34 6.5630 5.5377 7.5114 6.5630 5.6607 3.8552 5.6607 77 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
35 6.6953 5.6064 7.5114 6.6953 5.6924 3.8552 5.6924 78 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
36 6.7323 5.6449 7.5114 6.7323 5.7125 3.8552 5.7125 79 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
37 6.7686 5.6828 7.5114 6.7686 5.7326 3.8552 5.7326 80 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
38 6.8065 5.7213 7.5114 6.8065 5.7523 3.8552 5.7523 81 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
39 6.8424 5.7588 7.5114 6.8424 5.7724 3.8552 5.7724 82 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
40 6.8794 5.7973 7.5114 6.8794 5.7930 3.8552 5.7930 83 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
41 6.9178 5.8358 7.5114 6.9178 5.8133 3.8552 5.8133 84 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
42 6.9536 5.8732 7.5114 6.9536 5.8328 3.8552 5.8328 85 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
43 6.9912 5.9118 7.5114 6.9912 5.8529 3.8552 5.8529 86 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
44 7.0282 5.9492 7.5114 7.0282 5.8724 3.8552 5.8724 87 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
45 7.0648 5.9878 7.5114 7.0648 5.8925 3.8552 5.8925 88 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
46 7.1025 6.0261 7.5114 7.1025 5.9119 3.8552 5.9119 89 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
47 7.1395 6.0643 7.5114 7.1395 5.9320 3.8552 5.9320 90 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
48 7.1758 6.1021 7.5114 7.1758 5.9521 3.8552 5.9521 91 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
49 7.2137 6.1406 7.5114 7.2137 5.9723 3.8552 5.9723 92 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
50 7.2502 6.1795 7.5114 7.2502 5.9919 3.8552 5.9919 93 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
51 7.2870 6.2165 7.5114 7.2870 6.0121 3.8552 6.0121 94 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
52 7.3250 6.2546 7.5114 7.3250 6.0322 3.8552 6.0322 95 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
53 7.3614 6.2925 7.5114 7.3614 6.0530 3.8552 6.0530 96 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
54 7.3985 6.3313 7.5114 7.3985 6.0724 3.8552 6.0724 97 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
55 7.4364 6.3689 7.5114 7.4364 6.0919 3.8552 6.0919 98 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
56 7.4364 6.3689 7.5114 7.4364 6.1075 3.8552 6.1075 99 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978
57 7.4364 6.3689 7.5114 7.4364 6.1223 3.8552 6.1223
POINT SURCHARGE RELATIVITIES
March 2016 Oregon RF-51
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
14 Points 14 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 4.3353 4.5787 8.3519 4.3353 5.4651 4.0724 5.4651 58 8.2988 7.0597 8.3519 8.2988 6.7997 4.0724 6.7997
16 4.3353 4.5787 8.3519 4.3353 5.4651 4.0724 5.4651 59 8.2988 7.0597 8.3519 8.2988 6.8160 4.0724 6.8160
17 4.5269 4.5836 8.3519 4.5269 5.5624 4.0724 5.5624 60 8.2988 7.0597 8.3519 8.2988 6.8347 4.0724 6.8347
18 4.7198 4.5886 8.3519 4.7198 5.6589 4.0724 5.6589 61 8.2988 7.0597 8.3519 8.2988 6.8522 4.0724 6.8522
19 4.9117 4.5939 8.3519 4.9117 5.7571 4.0724 5.7571 62 8.2988 7.0597 8.3519 8.2988 6.8714 4.0724 6.8714
20 5.1051 4.5983 8.3519 5.1051 5.8542 4.0724 5.8542 63 8.2988 7.0597 8.3519 8.2988 6.8886 4.0724 6.8886
21 5.2725 4.7596 8.3519 5.2725 5.8676 4.0724 5.8676 64 8.2988 7.0597 8.3519 8.2988 6.9068 4.0724 6.9068
22 5.4407 4.9208 8.3519 5.4407 5.8830 4.0724 5.8830 65 8.2988 7.0597 8.3519 8.2988 6.9256 4.0724 6.9256
23 5.6087 5.0831 8.3519 5.6087 5.8980 4.0724 5.8980 66 8.2988 7.0597 8.3519 8.2988 6.9445 4.0724 6.9445
24 5.7776 5.2456 8.3519 5.7776 5.9127 4.0724 5.9127 67 8.2988 7.0597 8.3519 8.2988 6.9627 4.0724 6.9627
25 5.9448 5.4080 8.3519 5.9448 5.9304 4.0724 5.9304 68 8.2988 7.0597 8.3519 8.2988 6.9805 4.0724 6.9805
26 6.0959 5.4869 8.3519 6.0959 5.9671 4.0724 5.9671 69 8.2988 7.0597 8.3519 8.2988 6.9982 4.0724 6.9982
27 6.2459 5.5661 8.3519 6.2459 6.0047 4.0724 6.0047 70 8.2988 7.0597 8.3519 8.2988 7.0165 4.0724 7.0165
28 6.3983 5.6453 8.3519 6.3983 6.0432 4.0724 6.0432 71 8.2988 7.0597 8.3519 8.2988 7.0365 4.0724 7.0365
29 6.5502 5.7247 8.3519 6.5502 6.0804 4.0724 6.0804 72 8.2988 7.0597 8.3519 8.2988 7.0531 4.0724 7.0531
30 6.7010 5.8046 8.3519 6.7010 6.1187 4.0724 6.1187 73 8.2988 7.0597 8.3519 8.2988 7.0725 4.0724 7.0725
31 6.8547 5.8840 8.3519 6.8547 6.1559 4.0724 6.1559 74 8.2988 7.0597 8.3519 8.2988 7.0908 4.0724 7.0908
32 7.0077 5.9637 8.3519 7.0077 6.1948 4.0724 6.1948 75 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
33 7.1618 6.0429 8.3519 7.1618 6.2317 4.0724 6.2317 76 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
34 7.3158 6.1238 8.3519 7.3158 6.2709 4.0724 6.2709 77 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
35 7.4704 6.2032 8.3519 7.4704 6.3077 4.0724 6.3077 78 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
36 7.5118 6.2465 8.3519 7.5118 6.3296 4.0724 6.3296 79 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
37 7.5522 6.2890 8.3519 7.5522 6.3514 4.0724 6.3514 80 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
38 7.5947 6.3324 8.3519 7.5947 6.3732 4.0724 6.3732 81 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
39 7.6346 6.3743 8.3519 7.6346 6.3950 4.0724 6.3950 82 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
40 7.6760 6.4177 8.3519 7.6760 6.4176 4.0724 6.4176 83 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
41 7.7192 6.4611 8.3519 7.7192 6.4397 4.0724 6.4397 84 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
42 7.7589 6.5029 8.3519 7.7589 6.4612 4.0724 6.4612 85 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
43 7.8010 6.5463 8.3519 7.8010 6.4831 4.0724 6.4831 86 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
44 7.8423 6.5882 8.3519 7.8423 6.5042 4.0724 6.5042 87 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
45 7.8832 6.6316 8.3519 7.8832 6.5260 4.0724 6.5260 88 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
46 7.9255 6.6747 8.3519 7.9255 6.5474 4.0724 6.5474 89 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
47 7.9668 6.7176 8.3519 7.9668 6.5692 4.0724 6.5692 90 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
48 8.0072 6.7600 8.3519 8.0072 6.5910 4.0724 6.5910 91 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
49 8.0497 6.8034 8.3519 8.0497 6.6131 4.0724 6.6131 92 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
50 8.0905 6.8472 8.3519 8.0905 6.6347 4.0724 6.6347 93 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
51 8.1315 6.8886 8.3519 8.1315 6.6567 4.0724 6.6567 94 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
52 8.1742 6.9313 8.3519 8.1742 6.6786 4.0724 6.6786 95 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
53 8.2147 6.9739 8.3519 8.2147 6.7014 4.0724 6.7014 96 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
54 8.2563 7.0175 8.3519 8.2563 6.7227 4.0724 6.7227 97 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
55 8.2988 7.0597 8.3519 8.2988 6.7438 4.0724 6.7438 98 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
56 8.2988 7.0597 8.3519 8.2988 6.7623 4.0724 6.7623 99 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087
57 8.2988 7.0597 8.3519 8.2988 6.7800 4.0724 6.7800
POINT SURCHARGE RELATIVITIES
RF-52 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
15 Points 15 Points
AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL
15 4.7522 5.0106 9.2864 4.7522 6.0572 4.3018 6.0572 58 9.2612 7.8254 9.2864 9.2612 7.5318 4.3018 7.5318
16 4.7522 5.0106 9.2864 4.7522 6.0572 4.3018 6.0572 59 9.2612 7.8254 9.2864 9.2612 7.5511 4.3018 7.5511
17 4.9704 5.0143 9.2864 4.9704 6.1691 4.3018 6.1691 60 9.2612 7.8254 9.2864 9.2612 7.5731 4.3018 7.5731
18 5.1908 5.0184 9.2864 5.1908 6.2799 4.3018 6.2799 61 9.2612 7.8254 9.2864 9.2612 7.5940 4.3018 7.5940
19 5.4098 5.0226 9.2864 5.4098 6.3931 4.3018 6.3931 62 9.2612 7.8254 9.2864 9.2612 7.6166 4.3018 7.6166
20 5.6310 5.0260 9.2864 5.6310 6.5046 4.3018 6.5046 63 9.2612 7.8254 9.2864 9.2612 7.6372 4.3018 7.6372
21 5.8164 5.2091 9.2864 5.8164 6.5117 4.3018 6.5117 64 9.2612 7.8254 9.2864 9.2612 7.6585 4.3018 7.6585
22 6.0027 5.3922 9.2864 6.0027 6.5215 4.3018 6.5215 65 9.2612 7.8254 9.2864 9.2612 7.6811 4.3018 7.6811
23 6.1889 5.5768 9.2864 6.1889 6.5308 4.3018 6.5308 66 9.2612 7.8254 9.2864 9.2612 7.7035 4.3018 7.7035
24 6.3761 5.7617 9.2864 6.3761 6.5396 4.3018 6.5396 67 9.2612 7.8254 9.2864 9.2612 7.7252 4.3018 7.7252
25 6.5612 5.9466 9.2864 6.5612 6.5526 4.3018 6.5526 68 9.2612 7.8254 9.2864 9.2612 7.7462 4.3018 7.7462
26 6.7364 6.0374 9.2864 6.7364 6.5946 4.3018 6.5946 69 9.2612 7.8254 9.2864 9.2612 7.7672 4.3018 7.7672
27 6.9103 6.1286 9.2864 6.9103 6.6384 4.3018 6.6384 70 9.2612 7.8254 9.2864 9.2612 7.7888 4.3018 7.7888
28 7.0874 6.2199 9.2864 7.0874 6.6829 4.3018 6.6829 71 9.2612 7.8254 9.2864 9.2612 7.8130 4.3018 7.8130
29 7.2638 6.3114 9.2864 7.2638 6.7261 4.3018 6.7261 72 9.2612 7.8254 9.2864 9.2612 7.8323 4.3018 7.8323
30 7.4389 6.4035 9.2864 7.4389 6.7703 4.3018 6.7703 73 9.2612 7.8254 9.2864 9.2612 7.8557 4.3018 7.8557
31 7.6179 6.4951 9.2864 7.6179 6.8135 4.3018 6.8135 74 9.2612 7.8254 9.2864 9.2612 7.8772 4.3018 7.8772
32 7.7959 6.5871 9.2864 7.7959 6.8585 4.3018 6.8585 75 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
33 7.9754 6.6784 9.2864 7.9754 6.9014 4.3018 6.9014 76 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
34 8.1549 6.7719 9.2864 8.1549 6.9469 4.3018 6.9469 77 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
35 8.3352 6.8635 9.2864 8.3352 6.9895 4.3018 6.9895 78 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
36 8.3816 6.9122 9.2864 8.3816 7.0134 4.3018 7.0134 79 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
37 8.4265 6.9599 9.2864 8.4265 7.0370 4.3018 7.0370 80 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
38 8.4742 7.0088 9.2864 8.4742 7.0611 4.3018 7.0611 81 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
39 8.5185 7.0556 9.2864 8.5185 7.0848 4.3018 7.0848 82 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
40 8.5648 7.1045 9.2864 8.5648 7.1095 4.3018 7.1095 83 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
41 8.6134 7.1534 9.2864 8.6134 7.1336 4.3018 7.1336 84 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
42 8.6575 7.2001 9.2864 8.6575 7.1573 4.3018 7.1573 85 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
43 8.7046 7.2489 9.2864 8.7046 7.1812 4.3018 7.1812 86 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
44 8.7507 7.2958 9.2864 8.7507 7.2040 4.3018 7.2040 87 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
45 8.7964 7.3446 9.2864 8.7964 7.2276 4.3018 7.2276 88 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
46 8.8439 7.3931 9.2864 8.8439 7.2512 4.3018 7.2512 89 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
47 8.8900 7.4413 9.2864 8.8900 7.2748 4.3018 7.2748 90 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
48 8.9349 7.4888 9.2864 8.9349 7.2985 4.3018 7.2985 91 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
49 8.9826 7.5377 9.2864 8.9826 7.3227 4.3018 7.3227 92 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
50 9.0282 7.5870 9.2864 9.0282 7.3465 4.3018 7.3465 93 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
51 9.0739 7.6334 9.2864 9.0739 7.3704 4.3018 7.3704 94 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
52 9.1218 7.6812 9.2864 9.1218 7.3943 4.3018 7.3943 95 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
53 9.1669 7.7291 9.2864 9.1669 7.4193 4.3018 7.4193 96 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
54 9.2136 7.7781 9.2864 9.2136 7.4426 4.3018 7.4426 97 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
55 9.2612 7.8254 9.2864 9.2612 7.4655 4.3018 7.4655 98 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
56 9.2612 7.8254 9.2864 9.2612 7.4873 4.3018 7.4873 99 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986
57 9.2612 7.8254 9.2864 9.2612 7.5084 4.3018 7.5084
POINT SURCHARGE RELATIVITIES
March 2016 Oregon RF-53
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
VEHICLE RATING FACTORS
PPV LIABILITY SYMBOL RELATIVITIES
SYMBOL BI PD SYMBOL PIP
0 0.9800 0.9800 0 0.9000
215 0.7000 0.7000 415 0.7500
220 0.7000 0.7000 420 0.7500
225 0.7000 0.7000 425 0.7500
230 0.7000 0.7000 430 0.7500
235 0.7000 0.7000 435 0.8000
240 0.8000 0.8000 440 0.8000
245 0.8000 0.8000 445 0.8000
250 0.8000 0.8000 450 0.8000
255 0.8000 0.8000 455 0.8000
260 0.8000 0.8000 460 0.8000
265 0.8500 0.8500 465 0.8000
270 0.8500 0.8500 470 0.9000
275 0.8500 0.8500 475 0.9500
280 0.8500 0.8500 480 0.9745
285 0.9000 0.9000 485 1.0000
290 0.9500 0.9500 490 1.0262
295 1.0000 1.0000 495 1.0531
300 1.0000 1.0000 500 1.0807
305 1.0000 1.0000 505 1.1091
310 1.0800 1.0800 510 1.1382
315 1.1200 1.1200 515 1.1680
320 1.1500 1.1500 520 1.1986
325 1.1500 1.1500 525 1.2301
330 1.2000 1.2000 530 1.2623
335 1.2000 1.2000 535 1.2623
340 1.2000 1.2000 540 1.2623
345 1.2000 1.2000 545 1.2623
350 1.2500 1.2500 550 1.2623
355 1.2500 1.2500 555 1.2623
360 1.2500 1.2500 560 1.2623
365 1.2500 1.2500 565 1.3600
370 1.2500 1.2500 570 1.4600
375 1.2500 1.2500 575 1.5600
380 1.2500 1.2500 580 1.6600
385 1.8500 1.8500 585 1.7600
390 1.9000 1.9000 590 1.9000
999 0.9800 0.9800 999 0.9000
MILEAGE BI PD PIP UMBI UMPD COMP COLL
<=3000 0.80 0.80 0.80 0.80 0.80 0.80 0.80
3001 to 5000 0.85 0.85 0.85 0.85 0.85 0.85 0.85
5001 to 7500 0.90 0.90 0.90 0.90 0.90 0.90 0.90
7501 to 9000 0.95 0.95 0.95 0.95 0.95 0.95 0.95
PPV Comprehensive Anti-Theft Credit
Active, Passive, or Alarm Only 0.98 Status BI PD PIP UMBI UMPD
All Other (no anti-theft device) 1.00 Y 1.20 1.20 1.20 1.20 1.20
N 1.00 1.00 1.00 1.00 1.00
PPV LOW MILEAGE DISCOUNT RELATIVITIES
LIABILITY ONLY DISCOUNT RELATIVITIES
RF-54 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
VEHICLE RATING FACTORS
RAPA symbol 1 RAPA symbol 2
Model years 1981 and newer Model years 1981 and newer
First SYMBOL COMP COLL
Digit of A 0.6340 0.6900
Symbol COMP COLL B 0.6830 0.7200
1 12,500 A 0.7000 0.5500 C 0.7330 0.7930
12,501 13,750 B 0.7900 0.7444 D 0.8000 0.8420
13,751 15,000 C 0.8189 0.7800 E 0.8330 0.8780
15,001 17,500 D 0.8921 0.8628 F 0.9207 0.9020
17,501 18,750 E 0.9356 0.8628 G 0.9399 0.9270
18,751 20,000 F 0.9356 0.9289 H 0.9662 0.9510
20,001 22,000 G 0.9905 0.9289 J 0.9863 0.9760
22,001 24,000 H 0.9905 0.9700 K 1.0000 1.0000
24,001 30,000 J 1.0000 1.0000 L 1.0209 1.0240
30,001 33,000 K 1.1534 1.0000 M 1.0350 1.0361
33,001 36,000 L 1.1534 1.0750 N 1.0566 1.0640
36,001 45,000 M 1.2600 1.0966 P 1.0713 1.0830
45,001 80,000 N 1.7000 1.3000 R 1.0936 1.1122
80,001 P T 1.1242 1.1830
U 1.1556 1.2320
V 1.1878 1.2930
1980 and older W 1.2295 1.3660
Stated Stated X 1.2813 1.4128
Amount Amount Y 1.3200 1.4569
Min Max Symbol COMP COLL Z 1.4000 1.5542
0 1600 1 0.2795 0.3592 0 1.4000 1.6590
1601 2100 2 0.3043 0.3873 1 1.4500 1.7320
2101 2750 3 0.3292 0.4155 2 1.5813 1.8050
2751 3700 4 0.3540 0.4437 3 1.6708 1.8780
3701 5000 5 0.3789 0.4718 4 1.7655 1.9510
5001 6500 6 0.4037 0.5000 5 1.8783 2.0240
6501 8000 7 0.4286 0.5282 6 1.9984 2.0980
8001 10000 8 0.4783 0.5704 7 2.1262 2.1710
10001 12500 10 0.5404 0.6338 8 2.2777 2.2440
12501 15000 11 0.6211 0.7042 9 2.4910 2.3200
15001 17500 12 0.6832 0.7535
17501 20000 13 0.7888 0.8310
20001 24000 14 0.8820 0.9225
24001 28000 15 1.0000 1.0000
28001 33000 16 1.1615 1.0845
33001 39000 17 1.3665 1.1901
39001 46000 18 1.5528 1.2746
46001 55000 19 1.8509 1.3873
55001 65000 20 2.1180 1.4859
65001 999,999 21 2.5776 1.6620
PPV PHYSICAL DAMAGE RELATIVITIES
MSRP/Stated
Amount if
Classic Min
MSRP/Stated
Amount if
Classic Max
March 2016 Oregon RF-55
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
VEHICLE RATING FACTORS
Vehicle Age Relativities
Age BI PD PIP UMBI UMPD COMP COLL
0 1.00 1.00 1.00 1.00 1.00 1.00 1.00
1 1.00 1.00 1.00 1.00 1.00 1.00 1.00
2 1.00 1.00 1.00 1.00 1.00 1.00 1.00
3 1.00 1.00 1.00 1.00 1.00 1.00 1.00
4 1.00 1.00 1.00 1.00 1.00 1.00 1.00
5 1.00 1.00 1.00 1.00 1.00 1.00 1.00
6 1.00 1.00 1.00 1.00 1.00 1.00 1.00
7 1.00 1.00 1.00 1.00 1.00 1.00 1.00
8 1.00 1.00 1.00 1.00 1.00 1.00 1.00
9 1.00 1.00 1.00 1.00 1.00 1.00 1.00
10 1.00 1.00 1.00 1.00 1.00 1.00 1.00
11 1.00 1.00 1.00 1.00 1.00 1.00 1.00
12 1.00 1.00 1.00 1.00 1.00 1.00 1.00
13 1.00 1.00 1.00 1.00 1.00 1.00 1.00
14 1.00 1.00 1.00 1.00 1.00 1.00 1.00
15 1.00 1.00 1.00 1.00 1.00 1.00 1.00
16 1.00 1.00 1.00 1.00 1.00 1.00 1.00
17 1.00 1.00 1.00 1.00 1.00 0.95 1.00
18 1.00 1.00 1.00 1.00 1.00 0.95 1.00
19 1.00 1.00 1.00 1.00 1.00 0.95 1.00
20 1.00 1.00 1.05 1.00 1.00 0.95 1.00
21 1.00 1.00 1.08 1.00 1.00 0.95 1.00
22 1.00 1.00 1.08 1.00 1.00 0.95 1.00
23 1.00 1.00 1.10 1.00 1.00 0.95 1.00
24 1.00 1.00 1.13 1.00 1.00 0.95 1.00
25 1.00 1.00 1.15 1.00 1.00 0.95 1.00
26 1.00 1.00 1.18 1.00 1.00 0.95 1.00
27 1.00 1.00 1.20 1.00 1.00 0.95 1.00
28 1.00 1.00 1.23 1.00 1.00 0.95 1.00
29 1.00 1.00 1.25 1.00 1.00 0.95 1.00
30 1.00 1.00 1.28 1.00 1.00 0.95 1.00
31 1.00 1.00 1.30 1.00 1.00 0.95 1.00
32 1.00 1.00 1.33 1.00 1.00 0.95 1.00
33 1.00 1.00 1.33 1.00 1.00 0.95 1.00
34 1.00 1.00 1.33 1.00 1.00 0.95 1.00
35 1.00 1.00 1.33 1.00 1.00 0.95 1.00
36 1.00 1.00 1.33 1.00 1.00 0.95 1.00
>=37 1.00 1.00 1.35 1.00 1.00 0.95 1.00
Status
Y 100 1.630 250 1.205
N 250 1.220 500 1.000
500 1.000 750 0.915
750 0.878 1,000 0.820
Status 1,000 0.740 1,500 0.780
Y 1,500 0.695 2,000 0.723
N 2,000 0.573 2,500 0.663
2,500 0.560 5,000 0.550
5,000 0.550
1.00
PPV Vehicle Replacement/Upgrade
Factor
1.05
Comprehensive CollisionDEDUCTIBLE RELATIVITIES
1.00
Diminishing Deductible
Factor
1.05
RF-56 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
VEHICLE RATING FACTORS
MODEL YEAR RELATIVITIES
MODEL YR BI PD PIP UMBI UMPD COMP COLL
1980 & Prior 0.5260 0.6710 0.3900 1.0000 1.0000 0.3290 0.27301981 0.5260 0.6710 0.3900 1.0000 1.0000 0.3390 0.27301982 0.5260 0.6710 0.4100 1.0000 1.0000 0.3450 0.2730
1983 0.5260 0.6710 0.4400 1.0000 1.0000 0.3480 0.2730
1984 0.5260 0.6710 0.4600 1.0000 1.0000 0.3520 0.2730
1985 0.5260 0.6710 0.4800 1.0000 1.0000 0.3520 0.2730
1986 0.5260 0.6710 0.5000 1.0000 1.0000 0.3520 0.2730
1987 0.5660 0.6860 0.5200 1.0000 1.0000 0.3520 0.2730
1988 0.6040 0.7020 0.5300 1.0000 1.0000 0.3520 0.2730
1989 0.6410 0.7190 0.6200 1.0000 1.0000 0.3520 0.27301990 0.6760 0.7360 0.7000 1.0000 1.0000 0.3520 0.27301991 0.7090 0.7550 0.7200 1.0000 1.0000 0.3520 0.27301992 0.7400 0.7740 0.7900 1.0000 1.0000 0.3520 0.2730
1993 0.7680 0.7940 0.8300 1.0000 1.0000 0.3520 0.2730
1994 0.7950 0.8140 0.8900 1.0000 1.0000 0.3520 0.2730
1995 0.8190 0.8350 0.9200 1.0000 1.0000 0.3520 0.2730
1996 0.8410 0.8550 0.9600 1.0000 1.0000 0.3520 0.2730
1997 0.8610 0.8750 0.9900 1.0000 1.0000 0.3680 0.2730
1998 0.8790 0.8940 1.0000 1.0000 1.0000 0.3950 0.2730
1999 0.8960 0.9130 1.0000 1.0000 1.0000 0.4170 0.2980
2000 0.9110 0.9300 1.0000 1.0000 1.0000 0.4510 0.3290
2001 0.9260 0.9470 1.0000 1.0000 1.0000 0.4860 0.3670
2002 0.9400 0.9610 1.0000 1.0000 1.0000 0.5250 0.4110
2003 0.9540 0.9740 1.0000 1.0000 1.0000 0.5490 0.4620
2004 0.9690 0.9850 1.0000 1.0000 1.0000 0.5730 0.5140
2005 0.9840 0.9930 1.0000 1.0000 1.0000 0.6120 0.5790
2006 1.0000 0.9980 1.0000 1.0000 1.0000 0.6540 0.6480
2007 1.0000 1.0000 1.0000 1.0000 1.0000 0.6900 0.7170
2008 1.0000 1.0000 1.0000 1.0000 1.0000 0.7300 0.7860
2009 1.0000 1.0000 1.0000 1.0000 1.0000 0.7720 0.8390
2010 1.0000 1.0000 1.0000 1.0000 1.0000 0.8190 0.8770
2011 1.0000 1.0000 1.0000 1.0000 1.0000 0.8720 0.9160
2012 1.0000 1.0000 1.0000 1.0000 1.0000 0.9340 0.9570
2013 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2014 1.0000 1.0000 1.0000 1.0000 1.0000 1.0660 1.0490
2015 1.0000 1.0000 1.0000 1.0000 1.0000 1.1300 1.0910
2016 1.0000 1.0000 1.0000 1.0000 1.0000 1.1960 1.1370
2017 1.0000 1.0000 1.0000 1.0000 1.0000 1.2610 1.1830
PPV Usage Relativities
Milage BI PD PIP UMBI UMPD COMP COLL
Pleasure 1.00 1.00 1.00 1.00 1.00 1.00 1.00
< 15 Miles 1.00 1.00 1.00 1.00 1.00 1.00 1.00
15 + Miles 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Business 1.20 1.20 1.20 1.20 1.20 1.20 1.20
Farm 0.90 0.90 0.90 0.90 0.90 0.90 0.90
March 2016 Oregon RF-57
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
VEHICLE RATING FACTORS
MH ACTUAL CASH VALUE SYMBOL RELS MH ACTUAL CASH VALUE SYMBOL RELS
SYM COMP COLL SYM COMP COLL
1 1 1,000 0.290 0.330 51 115,001 120,000 1.670 1.740
2 1,001 2,000 0.290 0.330 52 120,001 125,000 1.720 1.790
3 2,001 3,000 0.290 0.330 53 125,001 130,000 1.760 1.870
4 3,001 4,000 0.290 0.330 54 130,001 135,000 1.810 1.950
5 4,001 5,000 0.290 0.330 55 135,001 140,000 1.850 2.020
6 5,001 6,000 0.290 0.330 56 140,001 145,000 1.900 2.100
7 6,001 7,000 0.290 0.330 57 145,001 150,000 1.940 2.180
8 7,001 8,000 0.290 0.330 58 150,001 155,000 1.980 2.260
9 8,001 9,000 0.290 0.330 59 155,001 160,000 2.030 2.340
10 9,001 10,000 0.290 0.330 60 160,001 165,000 2.070 2.410
11 10,001 11,000 0.290 0.330 61 165,001 170,000 2.120 2.449
12 11,001 12,000 0.290 0.330 62 170,001 175,000 2.160 2.570
13 12,001 13,000 0.290 0.330 63 175,001 180,000 2.280 2.590
14 13,001 14,000 0.290 0.330 64 180,001 185,000 2.390 2.600
15 14,001 15,000 0.290 0.330 65 185,001 190,000 2.510 2.620
16 15,001 16,000 0.320 0.360 66 190,001 195,000 2.620 2.630
17 16,001 17,000 0.320 0.360 67 195,001 200,000 2.740 2.650
18 17,001 18,000 0.320 0.360 68 200,001 205,000 2.850 2.660
19 18,001 20,000 0.360 0.390 69 205,001 210,000 2.970 2.690
20 20,001 22,000 0.380 0.410 70 210,001 215,000 3.080 2.700
21 22,001 24,000 0.400 0.430 71 215,001 220,000 3.200 2.710
22 24,001 26,000 0.410 0.460 72 220,001 225,000 3.310 2.720
23 26,001 27,000 0.420 0.470 73 225,001 230,000 3.390 2.730
24 27,001 29,000 0.430 0.490 74 230,001 235,000 3.460 2.740
25 29,001 31,000 0.440 0.510 75 235,001 240,000 3.540 2.750
26 31,001 33,000 0.450 0.530 76 240,001 245,000 3.610 2.760
27 33,001 35,000 0.460 0.560 77 245,001 250,000 3.690 2.770
28 35,001 37,000 0.470 0.580 78 >250,000
29 37,001 39,000 0.490 0.600 each additional $5,000 +0.05 +0.035
30 39,001 41,000 0.500 0.630
31 41,001 43,000 0.520 0.650
32 43,001 45,000 0.570 0.680
33 45,001 47,000 0.610 0.690
34 47,001 49,000 0.620 0.720
35 49,001 52,000 0.640 0.750
36 52,001 55,000 0.670 0.790
37 55,001 58,000 0.690 0.810
38 58,001 61,000 0.750 0.880
39 61,001 64,000 0.750 0.880
40 64,001 67,000 0.810 0.880
41 67,001 70,000 0.810 0.880
42 70,001 75,000 0.900 1.040
43 75,001 80,000 1.000 1.100
44 80,001 85,000 1.090 1.160
45 85,001 90,000 1.140 1.300
46 90,001 95,000 1.310 1.420
47 95,001 100,000 1.490 1.560
48 100,001 105,000 1.540 1.610
49 105,001 110,000 1.580 1.650
50 110,001 115,000 1.630 1.700
VALUE RANGE VALUE RANGE
RF-58 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
VEHICLE RATING FACTORS
VEH AGE COMP COLL COVERAGE REL
0 0.620 0.890 BI 0.542
1 0.670 0.890 PD 0.369
2 0.680 0.940 PIP 0.411
3 0.740 0.940 UMBI 0.596
4 0.800 1.010 UMPD 0.407
5 0.860 1.050 COMP 1.410
6 1.010 1.120 COLL 0.861
7 1.010 1.130
8 1.110 1.150
9 1.110 1.180
10 1.110 1.180
11 1.210 1.000
12 1.210 1.000
13 1.210 1.000
14 1.210 1.000
15 1.210 1.000
16 1.310 0.700
17 1.310 0.700
18 1.310 0.700
19 1.310 0.700
20-99 1.310 0.700
MH VEHICLE AGE SYMBOLS MH DISCOUNT FACTORS
March 2016 Oregon RF-59
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
VEHICLE RATING FACTORS
TRAILER ACTUAL CASH VALUE SYMBOL RELS
SYM COMP COLL SYM COMP COLL
1 1 3,000 0.450 0.340 0 1.000 1.000
2 3,001 5,000 0.580 0.400 1 1.050 0.800
3 5,001 7,000 0.720 0.470 2 1.100 0.800
4 7,001 9,000 0.790 0.550 3 1.150 0.800
5 9,001 11,000 0.850 0.630 4 1.170 0.800
6 11,001 13,000 0.900 0.720 5 1.200 0.800
7 13,001 15,000 0.940 0.810 6 1.250 0.750
8 15,001 17,000 0.990 0.900 7 1.350 0.750
9 17,001 19,000 1.010 1.000 8 1.400 0.700
10 19,001 21,000 1.070 1.110 9 1.400 0.660
11 21,001 23,000 1.130 1.220 10 1.400 0.630
12 23,001 25,000 1.170 1.270 11 1.400 0.600
13 25,001 27,000 1.220 1.320 12 1.400 0.600
14 27,001 29,000 1.260 1.390 13 1.400 0.600
15 29,001 31,000 1.300 1.540 14 1.400 0.600
16 31,001 33,000 1.330 1.630 15 1.400 0.550
17 33,001 35,000 1.360 1.730 16-99 1.200 0.500
18 35,001 37,000 1.390 1.810
19 37,001 39,000 1.420 1.880
20 39,001 41,000 1.450 1.960
21 41,001 43,000 1.490 2.030 REL
22 43,001 45,000 1.540 2.110 0.206
23 45,001 47,000 1.600 2.180 0.566
24 47,001 49,000 1.650 2.250
25 49,001 51,000 1.700 2.320
26 51,001 53,000 1.750 2.390
27 53,001 55,000 1.800 2.430
28 55,001 57,000 1.850 2.490
29 57,001 59,000 1.900 2.550
30 59,001 61,000 1.950 2.610
31 61,001 65,000 1.950 2.680
32 65,001 70,000 1.970 2.720
33 70,001 75,000 1.990 2.750
34 75,001 80,000 2.050 2.805
35 80,001 85,000 2.110 2.860
36 85,001 90,000 2.170 2.915
37 90,001 95,000 2.230 2.970
38 95,001 100,000 2.290 3.025
39 >100000
Each additional $5,000 +.06 +.055
COVERAGE
COMP
COLL
VALUE RANGE
TRAILER VEHICLE AGE SYMBOLS
TRAILER DISCOUNT FACTORS
RF-60 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
VEHICLE RATING FACTORS
REL
COVERAGE REL 0.150
BI 1.000 0.150
PD 1.000 0.150
PIP 1.000 0.150
UMBI 1.000
COMP 1.000
COLL 2.000
Rate per
COV DED $100
Comp 0 0.43
Comp 50 0.31
REL Coll 100 0.24
0.061 Coll 200 0.17
0.043
0.020
0.076
UMBI
ANTIQUE PHYSICAL DAMAGE
NON-OWNED DISCOUNT FACTORS
COVERAGE
BI
PD
UMBI
RESTRICTED USE
DISCOUNT FACTORS
ANTIQUE DISCOUNT FACTORS
COVERAGE
BI
PD
PIP
PIP
March 2016 Oregon RF-61