Insurance Rates/Rules Filing   The Department of Insurance, Securities, and Banking (DISB) requires all insurers to file rates and rules with DISB for review. The rates/rules must be adequate, not excessive, and not unfairly discriminatory.    All property and casualty filings, except for worker’s compensation and medical malpractice filings, may be submitted under DISB’s “File and Use” provisions. Worker’s compensation filings and medical malpractice filings must be submitted under DISB’s “Prior Approval” provisions.    All accident, health, life, and annuities filings must be submitted under DISB’s “Prior Approval” provisions.   Filings must be submitted* electronically via the System for Electronic Rate and Form Filing (SERFF). For information concerning SERFF subscription, please contact the NAIC at (816) 783-8500.   The following links include DISB’s requirements for submitting rate/rule filings to the agency: Accident & Health* Property and Casualty (P & C)* Life & Annuities* To check on the status of a rate/rule filing, please select the following link: Check on a Rate Filing