Independently filed form

{
  "id": "MLC-T-INS-001807",
  "term": "Independently filed form",
  "field": "Insurance and risk management",
  "definition": "A policy form or endorsement submitted by an individual insurer to a state department of insurance for approval, rather than through a rating bureau. This allows insurers to develop unique products tailored to specific market segments or risk profiles. The insurer bears the full responsibility for demonstrating that the rates and forms comply with state regulations.",
  "url": "https://mlchart.com/terminology/insurance/independently-filed-form/"
}