Missouri § 379.1809 - Rating plan, master policy premium — rates not unfairly discriminatory, when — experience refunds or dividends, when.
Full text of Missouri Revised Statutes of Missouri § 379.1809 — Rating plan, master policy premium — rates not unfairly discriminatory, when — experience refunds or dividends, when., with citation guidance and answers to common questions.
§ 379.1809. Rating plan, master policy premium — rates not unfairly discriminatory, when — experience refunds or dividends, when.
1. No master policy or certificate of insurance shall be issued or delivered in this state unless the rating plan and amendments thereto used in the determination of the master policy premium have met the applicable filing requirements in this state.
2. Group insurance premium rates shall not be deemed unfairly discriminatory if adjusted to reflect past and prospective loss experience or group expense factors, or if averaged broadly among persons insured under the master policy. Nor shall such rates be deemed to be unfairly discriminatory if they do not reflect individual rating factors, including surcharges and discounts required for individual personal lines property and casualty insurance policies.
3. Experience refunds or dividends may be paid to the policyholder of a group personal lines property and casualty insurance policy if the insurer's experience under that policy justifies experience refunds or dividends. However, if an experience refund or dividend is declared, it shall be applied by the policyholder for the sole benefit of the insured employees or members to the extent that the experience refund or dividend exceeds the policyholder's contribution to premium for the period covered by such experience refund or dividend.
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(L. 2021 H.B. 604 merged with S.B. 6)
Effective 1-01-22, see § 379.1824
---- end of effective 01 Jan 2022 ----
Source: official Missouri text · Last verified 2026-08-27
Frequently Asked Questions About Missouri § 379.1809
What does Revised Statutes of Missouri § 379.1809 cover?
Section 379.1809 ("Rating plan, master policy premium — rates not unfairly discriminatory, when — experience refunds or dividends, when.") is part of the Revised Statutes of Missouri, the codified statutory law of Missouri. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Missouri § 379.1809?
A common citation format is "Revised Statutes of Missouri § 379.1809" (Missouri). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Missouri law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Missouri official source linked on this page or consult a licensed Missouri attorney.
How does Missouri § 379.1809 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Missouri can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Missouri.