---
title: "Insurance Ratemaking Adequacy Tester — Pure Premium Method"
method: POST
path: "/v1/tools/test_ratemaking_adequacy"
tags: ["ratemaking", "pure-premium-method", "loss-ratio-method", "indicated-rate-change", "credibility", "permissible-loss-ratio", "actuarial", "rate-filing", "CAS", "property-casualty", "insurance-pricing", "Zero-PII"]
---

# Insurance Ratemaking Adequacy Tester — Pure Premium Method

`POST /v1/tools/test_ratemaking_adequacy`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/test_ratemaking_adequacy`
- Auth: none declared

Implements the pure premium (exposure-based) ratemaking method per CAS Exam 5 study materials and the CAS Statement of Principles Regarding P&C Insurance Ratemaking. Computes on-level premium, trended ultimate loss, exposure-weighted trended pure premium, the permissible loss ratio, the indicated rate change (loss-ratio method), and the credibility-weighted indication using the classical square-root standard (default full-credibility 1,082 claims). Outputs a year-by-year table, indicated-change summary, permissible-LR decomposition, an adequacy verdict, and a trend/PLR sensitivity grid. On-level factors and loss development are user-supplied. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/459-insurance-ratemaking-adequacy.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `lossTrend` number, required
  - `trendPeriod` number, required
  - `premTrend` number
  - `varExp` number, required
  - `fixedExp` number, required
  - `profit` number, required
  - `credMethod` string
  - `fullCred` number, required
  - `complementType` string
  - `complementVal` number

## Response `200`

Successful tool execution result

- object
  - `indicated_change_uncapped` number: Final credibility-weighted indicated rate change (fraction)
  - `indication_before_credibility` number
  - `credibility_z` number
  - `trended_pure_premium` number
  - `permissible_loss_ratio` number
  - `actual_loss_ratio` number
  - `total_claims` number

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)