Merlinos has extensive experience with the review of filings for state insurance departments. We have reviewed thousands of rate filings, independently documenting each in a review letter or in a condensed report. These filings have spanned virtually all lines of insurance. We review every property and casualty rate filing that is received by one state department of insurance client, giving us exposure to every line of business that is written in that state. Also, we have presented training sessions for rating analysts at three state departments of insurance in order to help them to review more filings on their own. We leverage our rate review knowledge to help our insurance company clients understand how to structure their rates and how to create underwriting rules that allow them to develop and manage their book of business in a manner to maximize their resources. We are able to use our regulatory knowledge that spans working with over 30 regulatory agencies in more than half of the States to help our clients reduce regulatory compliance issues, avoid disapproved and withdrawn filings, and increase their speed to market.