Compliance Alerts
November 2025
Effective State Changes
OHIO
The Ohio Department of Insurance has issued a memorandum revising prima facie credit insurance rates effective January 1, 2026. Credit Life rates will increase for 12 months at $0.715 per $1000 per month. Credit Disability rates will decrease for 2026 to $0.91 per $100 for the 14-day retroactive plan.
| Credit Life Premium Rates | |
| Single Decreasing Life Coverage | $0.46/$100/ @ 12 Months |
| Joint Decreasing Life Coverage | $0.81/$100/ @ 12 Months |
Joint life rates are 175% of corresponding single life rates.
| Credit Disability Rates | |
| 14-Day Retroactive | $0.91 per month per $100 of coverage @ 12 Months |
| 14-Day Elimination | $0.79 per month per $100 of coverage @ 12 Months |
| 30-Day Retroactive | $0.68 per month per $100 of coverage @ 12 Months |
| 30-Day Elimination | $0.48 per month per $100 of coverage @ 12 Months |
Effective January 1, 2026.