All 2011 vehicles or newer will have unique symbols for Collision and Comprehensive coverages instead of one symbol for both physical damage coverages. To read more about how this will affect rating with your carrier, click here.

• Annual Mileage – It is important not to enter “rounded” numbers in this field. Some carriers require exact mileage to calculate the rate while others use different milege levels for discounts other than the standard 5,000/7,500 levels. You can retrieve the mileage from the IMI screen in the Registry.
• VIN – ISO provides a list of VIN Numbers and sometimes they do not have a VIN for a particular vehicle. In those cases, you must use the “Edit” option in WinRater and enter the symbol manually. It is important to select the correct VIN associated with the vehicle you are quoting with if available. For agents who connect to the Registry VPN through WinRater, please be aware that VIN numbers do not get pre-filled from the VPN. Real-Time Rated quotes must have a VIN. If the is VIN not available enter a default of VIN1234.
• Principal Operator – If the quote has multiple drivers listed, it is important to correctly indicate who drives the vehicles the most. Please note that WinRater will handle the actual driver assignment of the vehicle using the Highest to Highest rules, Inexperienced Operator rules and Senior Operator rules in conjunction with the information you provide in the Principal Operator field.
• When an Additional Coverage is selected and it is a coverage not offered by one (or more) Carriers on the quote, the coverage will NOT be calculated in the premium, display on the Plan Summary, or print on the Worksheet for that Carrier.
• Coverages/that are not available in WR can be added in the Carrier’s Issuance system.
• Review carrier manuals for detailed information about coverage’s, etc.

• Driver Detail – Be sure to enter accurate Date First Licensed, SDIP Points, as well as if a driver is Deferred or Excluded from a vehicle (but not all vehicles on a quote). This information must be entered correctly in WinRater in order to properly assign drivers to vehicles.
• Accidents and Violations – Both “At Fault” as well as “Not At Fault Accidents” should be entered into WinRater as some carriers look at both. See the Carrier Specific section of this guide to help determine what level of detail is required by your carriers.
• Advanced Driver Training – If the driver has obtained Advanced Driver Training, it is important to select it in WinRater. Some carriers provide discounts.
• Good Student – Some Carriers offer Good Student Discounts. Be sure to check this box for additional credits if applicable.
• Deferred Operator – This field is VERY important. It will impact how drivers are assigned to vehicles. Further, some carriers will change their rates based on a driver count. Even if a driver is deferred, you must enter that driver into WinRater and check this field. The driver will not be assigned to a vehicle, but the carrier will consider them for the overall rate. For best results, you should make sure that your quote matches the policy exactly.

• Account Discount/Credit – This discount has a huge impact on a quote. Verify that the insured qualifies for this discount. (See Specific carriers for more information)

• Prior or Renewing Carrier – Some carriers provide discounts to insured’s for renewing with them; other carriers offer discounts for renewing for a certain number of years.
• Years with Agency – Some Carriers provide a discount to insured’s for being with the same agency for a number of years.
• Lapse Days between Policies – Some carriers apply a surcharge if the lapse is one day or greater.
• Excluded Operators – Enter the number of drivers that will be excluded from all vehicles.
• Renewal Rating: If the info entered in the "Prior Carrier" field matches a carrier being rated, the quote for that carrier alone will be tagged as a renewal and the proper renewal rate will be displayed for this carrier. All other carriers will be rated as new business.

• Many motorcycle discrepancies come from not selecting the “guest coverage”. Be sure to verify if the policy has guest coverage.
• Motorcycle Date Licensed is entered on the Driver Tab.
• If driver has Motorcycle Training it is selected on the Driver Coverages/Motorcycle tab.

• Extra Vehicle Discount – If policy has more Private Passenger vehicles than drivers, then select the discount in the Additional Coverages section located in the vehicle panel (underneath the coverages on the Rating Detail Screen).

Real-Time Rating Available: Monday through Saturday 7:00am - 8:00pm

• New Business: Effective Date no more than 30 days in the past and no more than 60 days in the future.
• Renewals: Effective Date can go back a year for Active Policies, cannot be cancelled.
• "Check RTR Log for Details" As with any real-time rated carrier, to the left of the real-time quote displayed in the premium panel, information regarding how the quote was rated will always be available by clicking on the "i" icon.
• Registry Lookup: A driver lookup is run based off the entered Driver's License Number. A Vehicle lookup is run based off the VIN number that is entered in WinRater. During these lookups, SDIP, Date First License, and vehicle specific information is verified.
  • To by-pass the driver lookup, enter a temporary license number (such as S1234), and change the state to NC (No Registry Check). This will prompt WinRater to use the SDIP information that was manually entered in WinRater.
  • To bypass the vehicle look-up, or if the VIN number is not available, in the vehicle tab in WR, enter the year make, and model to obtain the ISO partial VIN that WR provides.
• Hybrid Vehicle discount – To apply discount, on a Hybrid that has been entered with the ISO Partial Vin in WinRater theHybrid field in the Equipment section under Edit Vehicle must be checked off. If the complete Vin# is entered, Real Time Rating will apply the Hybrid discount, do not need to check the field.
• SinglePoint/Submit Now! - Upon clicking SUBMIT in WinRater the SUBMIT NOW Screen appears asking for the Applicant's Mailing Address and the Vehicle's Odometer and Purchase Date. These fields are required for issuance, they can be entered in the Submit Now screen or the Review App button can be selected and these fields can be entered in Arbella.com
• At Fault Accidents Within 6 years (Over $500) must be entered into WinRater. It can also be pulled in from the VPN's UMI9 screen.
• When integrating from your agency management system, Accidents and Violations sometimes get listed as "Unknown" in WinRater. You must enter type of violation: Major or Minor.
• Effective 8/12/08 – Incidents should be keyed in using Incident Date instead of Surcharge Date.
• Date First Licensed - Arbella takes the Date of Birth and adds 16.5 years to obtain a correct rate and to classify the driver as an experienced driver.
• Account Credit – Account Credit, Loyalty, Multi-Vehicle, Hybrid, and Student Away at School Discounts do not apply to Category 7 policies.
• Prior Carrier- Be aware that choosing Arbella or Other/None will place the insured into a different tier.
• Class 15 shows cents on Arbella’s Dec page. WinRater will round to the nearest dollar.
• Away at School discount must be selected to have the inexperienced operator Student Away at School discount.

Real-Time Rating Available: Monday through Sunday 4:00am - 12:00am
RMV daily downtime 12:00am to 4:00am

• Commerce calculates rates based on number of drivers as well as number of vehicles. If you remove a vehicle or add a driver to a policy, they will fall under a different Tier for Commerce. Please be sure to enter correct number of drivers as well as number of vehicles.
• Be aware that Collaborative Edge asks for “number of years licensed” while WinRater requires Date First Licensed. Depending upon which system you are in, you should enter the appropriate figure.
• Has Property Credit – Commerce gives a discount even if the insured owns a home that is not insured by Commerce.
• Good Student discount must be selected for the inexperienced operator to obtain the Good Student discount.
• Away at School discount must be selected for the inexperienced operator to obtain the Student Away from Home discount.
• NOTE: If an inexperienced operator has both discounts, only the Student Away from Home applies.
• Registry Lookup: A Driver Lookup is run off Driver's License Number entered. SDIP and Date First Licensed are verified. If the entered Driver's License Number is found, registry information will override information manually entered in WinRater. To avoid a registry lookup, a bogus License Number (eg: S1) can be entered, and the information manually entered in WinRater will be used for rating.
• Drivers Originally Licensed Out of State: On the Driver Information Screen, the following four (4) fields must all be filled in:
  • "Priv Pass First Lic" - Enter the date the driver was very first licensed
  • "First License State" - Enter the state where the driver was first licensed. (If a different country, enter any state but MA.)
  • "Curr Lic Dt" - Enter the date when the driver was first licensed in the state he/she is currently licensed
  • "State" - Enter the state where the driver is currently licensed
• "Check RTR Log for Details" As with any real-time rated carrier, to the left of the real-time quote displayed in the premium panel, information regarding how the quote was rated will always be available by clicking on the "i" icon. An error message with instructions to "Check the RTR Log for Details" indicates a problem with your CGI Agent ID or CGI User ID. Check these credentials in the Carrier Credentials page. The CGI Agent ID should be in the form of a letter followed by three numbers. The CGI User ID is a version of your name.

Real-Time Rating Available: TBD
RMV daily downtime TBD

• "Check RTR Log for Details" Information regarding how the quote was rated will be available by clicking on the "i" icon. An error message with instructions to "Check the RTR Log for Details" indicates a problem with your CGI Agent ID or CGI User ID. Check these credentials in the Carrier Credentials page. The CGI Agent ID should be in the form of a letter followed by three numbers. The CGI User ID is a version of your name.

• Electric Insurance has Category Rating. Therefore, you must enter the correct driver information such as SDIP to obtain an accurate quote.
• See Policy Options Tab in WinRater for available credit/charges.
• Please be sure to enter correct Date First Licensed. Electric gives a Years Licensed Credit.

• Be aware that Encompass has Rating Tiers: Ultra-Preferred, Preferred Plus, Perferred, and Standard.
• In order for the policy to be placed in Ultra-Preferred, Preferred Plus, or Preferred the following items must be set:
  • Years with your Agency
  • Prior or Renewing Carrier
  • Years with Carrier
  • Lapsed Days Last 12 Months
  • Prior BI Limits
• Ultra Preferred Tier - these are the key fields to look at while placing business in the Ultra Preferred Tier:
  • Years with Prior Carrier or Current Agent must be set at 2 years or more.
  • All operators must have SDIP 99 or 98.
  • All operators must have years licensed of 5 or more.
  • At least 2 autos are on the quote.
• Preferred Plus Tier - these are the key fields to look at while placing business in the Preferred Plus Tier:
  • Years with Prior Carrier or Current Agent must be set at 2 or more.
  • All operators must have SDIP 99 or 98. SDIP 0 for Inexperienced classes only.
  • At least one operator must have years licensed of 5 or more.
• Preferred Tier - these are the key fields to look at while placing business in the Preferred Tier:
  • At least one operator must have years licensed of 5 or more.
  • WinRater cannot quote Ultra-Preferred with forced multi-car discount.
• Future Effective Date Discount – applies if New Business Policy is issued 7 or more days before Eff Date.
• Future Effective Date (Year 2) – applies if quoting a Renewal Policy that had the Future Eff Date discount on the New Business last year.

• Date First Licensed is used to calculate Driving Experience Discount.
• Be aware that the MA Farm Bureau Federation Group Discount has been extended to MASS residents with memberships in NH, NJ, NY, or RI.

• NOTE: At this time only New Business quotes can be rated.
• Accidents and Violations – Hanover focuses on last 3 years of all Accidents and Violations including Not at Fault accidents and Comp Losses over $1,000.
• For Violations, enter Surcharge Date
• For Accidents, enter Incident Date and dollar amount.
• “Date first Licensed” and “Annual Mileage” MUST be Accurate.
• If Part 5 limits are 20/40, the part 5 premium will be displayed as $0 and the actual premium will be added to the Part 1 Premium.
• SDIP Surcharges or Credits are not displayed as a separate amount on the quote.

• Discounts
  • Hybrid Auto – check “Hybrid” in the Equipment section of the Vehicles Tab.
  • Advanced Driver Training – check “Adv Driver’s Ed” on the Drivers Tab.
  • Student Away at School – check “Away at School” on the Drivers Tab.
  • Good Student – check “Good Student” on the Drivers Tab. Driver has to be Inexperienced and have 2 or less SDIP points.
• See the Policy Options Tab in WinRater for available credits.
• Real Time Renewal Quoting – Renewal is with your agency and the Policy number is required in the Underwriting Tab.

• Auto Policy Plus discount can apply if an insured is the named insured on a MET Home, Life or Home and Life policy.

As of 09/01/2011 quotes will be Real Time Rating. NGM will rate Quotes Effective 09/01/2011 and greater.

• Category Rating – It is important to enter all driver and vehicle information accurately to obtain an accurate quote.
• Lapse In Coverage – One day is all that is needed to be selected to calculate a surcharge.
• Registry Lookup – A Driver Lookup at the RMV is done when a Driver's MA License Number is entered. SDIP and Date First Licensed are verified. If the entered Driver's License Number is found, registry information will override information entered in WinRater. To rate with the SDIP and Date First Licensed entered, select the "Rate with Private Passenger First License Date and SDIP entered" and the information entered in WinRater will be used for rating.
• Operator Continuous Coverage – Needs to be selected in the Driver tab's Driver Coverages/Motorcycle tab for every driver that has NOT had a lapse in coverage.
• Drivers Originally Licensed Out of State or Drivers that receive the "RMV returned a different Date First Licensed than the value entered" message – On the Driver Information Screen, the following two (2) fields must be completed in order for the correct Driver Class Code to be generated:
  • Priv Pass First Lic – Enter the date the driver was very first licensed in whatever State or Country they lived in
  • Curr Lic Dt – Enter the date when the driver was licensed in MA. This date must be greater than the Priv Pass First Lic

• Risk Modifier Percentage is based on the clients payment plan. EFT Payment Plans are given a credit and Non EFT is given a surcharge. It is the agent’s responsibility to know the credit or surcharge the insured is to receive.
• Advanced Driver’s Ed must be selected for the driver to receive Driver Training Discount.
• Many rating discrepancies come from agents not selecting all applicable discounts. Please be sure to select discounts that the insured qualifies for.

Real-Time Rating Available: Monday through Sunday 4:00am - 12:00am
RMV daily downtime 12:00am to 4:00am

• NOTE: At this time only New Business quotes can be rated.
• At this time, only Drivers with active MA License's can be rated.
• On the Underwriting Tab PRAC must be selected as Prior Carrier and 3+ years must be selected to receive a discount.
• If insured has not had the vehicle for one full year, enter 99999.
• Registry Lookup: A Driver Lookup is run based off the entered Driver's License Number, and a Vehicle Lookup based off the entered VIN. SDIP and Date First Licensed are verified as well as vehicle specific info. If the driver's license number is not know, enter a phony number and change the state to anything but MA to bypass the driver lookup and use the info entered in WinRater. If the VIN is not known, enter year, make, and model to get the ISO partial VIN and use this information.
• Agency Codes/Group Codes: This is your 7 or 8 digit Producer Code. This code must be manually entered in the Policy Options Tab in order to get a rate. Once it is entered once, it can be saved so that it is available via a dropdown menu in the Policy Options Tab for future use.

Real-Time Rating Available: Monday through Sunday 4:00am - 12:00am
RMV daily downtime 12:00am to 4:00am

• Agency Code: This code must be manually entered in the Policy Options Tab in order to get a rate. Once it is entered once, it can be saved so that it is available via a dropdown menu in the Policy Options Tab for future use.
• Registry Lookup: A Driver Lookup is run off Driver's License Number entered. SDIP and Date First Licensed are verified. If the entered Driver's License Number is found, registry information will override information manually entered in WinRater. To avoid a registry lookup, a bogus License Number (eg: S1) can be entered, and the information manually entered in WinRater will be used for rating.
• Drivers Originally Licensed Out of State: On the Driver Information Screen, the following four (4) fields must all be filled in:
  
  • "Priv Pass First Lic" - Enter the date the driver was very first licensed.
  • "First License State" - Enter the state where the driver was first licensed. (If a different country, enter any state but MA.)
  • "Curr Lic Dt" - Enter the date when the driver was first licensed in the state he/she is currently licensed.
  • "State" - Enter the state where the driver is currently licensed.
• "Check RTR Log for Details" As with any real-time rated carrier, to the left of the real-time quote displayed in the premium panel, information regarding how the quote was rated will always be available by clicking on the "i" icon. An error message with instructions to "Check the RTR Log for Details" indicates a problem with your CGI Agent ID or CGI User ID. Check these credentials in the Carrier Credentials page. The CGI Agent ID should be in the form of a letter followed by three numbers. The CGI User ID is a version of your name. NOTE: Limit values can be adjusted from entered value. Plan Summary will display in blue any limits that were adjusted and the Estimated Quotation Worksheet will print the adjusted value.

• Registry Lookup: A Driver Lookup is run off Driver's License Number entered. SDIP and Date First Licensed are verified. If the entered Driver's License Number is found, registry information will override information manually entered in WinRater. To avoid a registry lookup, a bogus License Number (eg: S1) can be entered, and the information manually entered in WinRater will be used for rating.
• "Check RTR Log for Details" As with any real-time rated carrier, to the left of the real-time quote displayed in the premium panel, information regarding how the quote was rated will always be available by clicking on the "i" icon.
• Enter accurate “Date First Licensed” to obtain accurate Class Code.
• In order to be eligible for the Preferred Operator Discount, “Prior or Renewing Carrier” must be set to Quincy and “Years with Carrier” must be set to 1 or greater in the Underwriting section. In addition, the risk must be:
  • Rated in classes 12-15.
  • Have Bodily Injury limits, Part 5, equal to or above $50,000 per person.
  • The rated operator must have a merit rating code of 99 (Excellent Driver Discount Plus), 98 (Excellent Driver Discount) or 00 (Neutral).

Real-Time Rating Available: Monday through Saturday - 7:00am-7:00pm, not Sunday

• Due to Safety's system all drivers under 26 need to have the DTD attribute in order to rate and submit.
• New Business/Agency Loyalty Credit is only for 1^st or 2^nd year with Safety.
• Renewal Credit is based on consecutive years with Safety up to 11+ years.
• E-Customer Discount – New Business or Renewal.*
• Electronic Book Transfer is for a business that has been with the Agent for 3 or more years and is moving their policy to Safety as part of an approved Marketing Book Roll.*
• No Registry Lookup.
• "Check RTR Log for Details" As with any real-time rated carrier, to the left of the real-time quote displayed in the premium panel, information regarding how the quote was rated will always be available by clicking on the "i" icon.
• Agency Codes/Group Codes - Used to apply the appropriate group discounts to your quote. Codes are automatically entered by Safety upon WinRater startup and updated every seven days. Select your codes via a dropdown menu in the Policy Options Tab. Codes must be selected in order to obtain a real-time rate.
• Usage Commute, Business and Farm will rate the vehicle as Business Class 30.

*NOTE: Cannot have both E-Customer Discount and Electronic Book Transfer on a quote.

Real-Time Rating Available: Monday through Sunday 4:00am - 12:00am
RMV daily downtime 12:00am to 4:00am

• Any Renewal Policies that were originally issued as New Business since April 1, 2008 will continue to be scored and rated under the New Business scoring logic on the Renewal Quote. Remember to complete the Advanced Quote option, as well as the other factors that were used at the time of the New Business, to obtain an accurate Renewal Quote. On the Underwriting Tab have the Prior or Renewing Carrier = "Other" and enter the number of years with the carrier in Years with Prior Carrier.
• Be sure to enter underwriting information in WinRater to ensure the policy gets placed in the correct Rating Category.
• Collaborative Edge does not rate for renewals so if you are doing a re-write of an existing Tower Group Insurance policy, you must put Prior Carrier as “Other” not Tower Group.
• If choosing New Business Advanced Quote Endorsement, be careful to enter the CORRECT selection. 7 Days Prior to Effective date will be substantially less than if quoted 1-6 days Prior, or On or After the Effective Date.
• If there is a lapse in coverage, Tower Group needs the exact number of days (with 0 meaning “No Lapse”).
• Companion Policy Discount options are Tower Group, Fair Plan, Narragansett and Barnstable.
• If a Driver has Non-Chargeable Incidents they need to be entered in the Accident/Violations tab.
• Registry Lookup: A Driver Lookup is run off Driver's License Number entered. SDIP and Date First Licensed are verified. If the entered Driver's License Number is found, registry information will override information manually entered in WinRater. To avoid a registry lookup, a bogus License Number (eg: S1) can be entered, and the information manually entered in WinRater will be used for rating.
• Drivers Originally Licensed Out of State: On the Driver Information Screen, the following four (4) fields must all be filled in:
  • "Priv Pass First Lic" - Enter the date the driver was very first licensed
  • "First License State" - Enter the state where the driver was first licensed. (If a different country, enter any state but MA.)
  • "Curr Lic Dt" - Enter the date when the driver was first licensed in the state he/she is currently licensed
  • "State" - Enter the state where the driver is currently licensed
• Agency Codes/Group Codes: Used to apply the appropriate group discounts to your quote. The codes are selected via the Policy Options Tab. You must manually enter and save your codes in WinRater. Codes are not required to rate, but if an Agent/Group code is not entered and selected, no discount will be applied.
• "Check RTR Log for Details" As with any real-time rated carrier, to the left of the real-time quote displayed in the premium panel, information regarding how the quote was rated will always be available by clicking on the "i" icon. An error message with instructions to "Check the RTR Log for Details" indicates a problem with your CGI Agent ID or CGI User ID. Check these credentials in the Carrier Credentials page. The CGI Agent ID should be in the form of a letter followed by three numbers. The CGI User ID is a version of your name.
• Motorcycles: Regardless of MC License Date entered or Principal Op selected, CGI will assign the highest rated driver to the MC.

Real-Time Rating Available: Monday through Sunday 4:00am - 12:00am
RMV daily downtime 12:00am to 4:00am

• Renewals: To obtain an accurate quote for renewal business with effective dates between 11/01/2010 and 10/31/2011, Initial Years at Residence must be set to one year less than Current Years at Residence.
• It is important to enter the Vehicle ID. The VIN is used in calculating the base rates.
• Years at Residence is REQUIRED under the Policy Options Tab.
• Registry Lookup: A Driver Lookup is run off Driver's License Number entered. SDIP and Date First Licensed are verified. If the entered Driver's License Number is found, registry information will override information manually entered in WinRater. To avoid a registry lookup, a bogus License Number (eg: S1) can be entered, and the information manually entered in WinRater will be used for rating.
• Drivers Originally Licensed Out of State: On the Driver Information Screen, the following four (4) fields must all be filled in:
  • "Priv Pass First Lic" - Enter the date the driver was very first licensed
  • "First License State" - Enter the state where the driver was first licensed. (If a different country, enter any state but MA.)
  • "Curr Lic Dt" - Enter the date when the driver was first licensed in the state he/she is currently licensed
  • "State" - Enter the state where the driver is currently licensed
• Agency Codes/Group Codes: Used to apply the appropriate group discounts to your quote. The codes are selected via the Policy Options Tab. You must manually enter and save your codes in WinRater. Codes are not required to rate, but if an Agent/Group code is not entered and selected, no discount will be applied.
• "Check RTR Log for Details" As with any real-time rated carrier, to the left of the real-time quote displayed in the premium panel, information regarding how the quote was rated will always be available by clicking on the "i" icon. An error message with instructions to "Check the RTR Log for Details" indicates a problem with your CGI Agent ID or CGI User ID. Check these credentials in the Carrier Credentials page. The CGI Agent ID should be in the form of a letter followed by three numbers. The CGI User ID is a version of your name.
• Motorcycles: Regardless of MC License Date entered or Principal Op selected, CGI will assign the highest rated driver to the MC.

Real-Time Rating Available: Monday through Saturday - 7:00am-8:00pm, not Sunday

• "Check RTR Log for Details"
  As with any real-time rated carrier, to the left of the real-time quote displayed in the premium panel, information regarding how the quote was rated will always be available by clicking on the "i" icon.
• Registry Look-Up:
  A driver lookup is run based off the entered Driver's License Number. A vehicle lookup is run based off the VIN number that is entered in WinRater. During these lookups, SDIP, Date First License, and vehicle specific information is verified.
  
  • To by-pass the driver lookup: enter a temporary license number (such as S1234), and change the state to NC (No Registry Check). This will prompt WinRater to use the SDIP information that was manually entered in WinRater.
  • To bypass the vehicle look-up (or if the VIN number is not available): enter the year, make, and model in the VEHICLE TAB in WinRater to obtain the ISO partial VIN.
• SinglePoint's Submit Now! When begining the issuance process with Vermont Mutual you will click the SUBMIT button in WinRater. The SUBMIT NOW Screen will appear and ask you for Carrier Specific Data Requirements. In this section you must specify the related policy number with Vermont Mutual, or one of the acceptable terms: HOME, FIRE, or BOP. You must be enter one of these terms in order for the discount to be applied.
• First Accident Forgiveness: When Auto Advantage is added to a vehicle via the Vehicle Tab's Additional Coverage, in order for the First Accident Forgiveness part of the endorsement to be applied, you must enter a valid driver license number for all drivers as well as the VIN numbers for all vehicles. The following messages will be returned and can be viewed when clicking on the information icon in the premium panel:
  • "Driver N: No Registry match, using rating data in request. Unable to apply first accident forgiveness if applicable."
  • "VIN lookup unsuccessful, using minimal rating data to assign symbol. Unable to apply first accident forgiveness if applicable."
• Student Discounts: (Note: driver has to be inexperienced and have 2 or less SDIP points.)
• Good Student – Check “Good Student” on the Drivers Tab.
• Away at School – Check “Away at School” on the Drivers Tab.
• Renewal Credit is applied for consecutive years with Vermont Mutual up to a maximum for 11+ years.
• If Coverage Limits are not supported by Vermont Mutual the limits will automatically change to meet Veront Mutual requirements.