pennsylvania insurance department naic

Depending on the chosen program, you can partially or completely protect yourself from unforeseen expenses. Upcoming Meeting. 6848 (November 28, 2020). pennsylvania insurance department naic is a tool to reduce your risks. State Commissioners Elected/Appointed . If you are experiencing technical difficulties with the SERFF system or problems accessing the SERFF alternative remote access website, please direct your questions to the SERFF Help Desk at 816-783-8990 or email sfahelp@naic.org. Avoid trudging through the Census Database. You agree to pay the premium, and in return, the insurance company agrees to pay for certain expenses as defined in your policy. 2014 and 2015. The study found that premium to loss ratios in these zip-codes (i.e. For … COVID-19 Vaccine Frequently Asked Questions are Now Available. report may differ from previous reports, as updated information from insurers requirements for insurance coverage, limits and benefits. A report of "Significant Findings" from the study is available here. NAIC Members by Zone. The National Association of Insurance Commissioners (NAIC) is the state-based standard-setting organization governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Auto Insurance Cards (e.g. NAIC numbers can be found on the Pennsylvania Insurance Department's Website. costs, driving locations, accident rates, traffic density, auto theft Bar Code inquiries) are … Insurance producer pennsylvania insurance department naic and risk reduction. This number appears on most, but not all, insurance cards. For a complete list of consumer brochures and fact sheets, you may click here. Those national standards were approved November 18, 2014 by the National Association of Insurance Commissioners (“NAIC… By Insurance Department Notice Nos. NAIC Education & Training offers professional development for state insurance regulators, as well as courses to help industry professionals comply with regulatory processes. Pennsylvania Insurance Department . pennsylvania insurance department's website naic ... or be returned to the Insurance Co. / PAC Ins. September 16, 2013 Michael T. McRaith Director, Federal Insurance Office Room 1319 MT U.S. Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, D.C. 20220 RE: President’s Working Group on Financial Markets: Terrorism Risk Insurance Analysis Contact the NAIC. Pennsylvania is currently participating in a national zip-code based study of auto insurance affordability and availability being conducted by the National Association of Insurance Commissioners (NAIC). Phone: (717) 787-3840, option 3 Feel free to browse the following publications and resources. i The State of Long-Term Care Insurance The Market, Its Challenges and Future Innovations Prologue By Eric C. Nordman, CPCU, CIE Director, CIPR This CIPR study presents independent research the purpose of which is to inform 2015 average expenditures and combined average premiums for each state. NAIC Members are the chief insurance regulators from each of the 50 U.S. states and six territories. Home state—As defined in section 601-A of the act (40 P. S. 310.1). The Pennsylvania Insurance Department has been very active in encouraging staff to earn the APIR and PIR NAIC Designations. The Department has taken the language from the National Association of Insurance Commissioners (NAIC) Long-Term Care Insurance Model Regulation (Model) and believes that the language is sufficiently clear both in the definition and as well as in § 89a.118 (relating to premium rate schedule increases). 2014 and 2015. The following three Officers, or a person(s) performing similar functions, of Pennsylvania domiciled insurers are required to certify, on the Jurat Page, Quarterly and Annual Financial Statements filed with Pennsylvania Insurance Department, NAIC and other states: 1) Chief Executive Officer. Now What? Section 89a.104. Provide high-quality supports and protections to vulnerable Pennsylvanians. Pennsylvania Insurance Commissioner Jessica Altman has been selected for the second consecutive year to serve as chair of the Health Insurance and … Sonja represented The Hartford at the National Association of Insurance Commissioners (NAIC) and represented the Property & Casualty insurance industry on the NAIC Improvements to … Pennsylvania {NAIC #19429) (hereafter referred to as "Insurance Company PA"), examination number 1503-97-TGT, and the Stipulation of Settlement and Voluntary Forfeiture ("Stipulation"), does hereby issue the following orders: The NAIC is the authoritative source for insurance industry information. throughout the United Sates. The NAIC provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. comparisons of the premiums charged to actual insured loss experience) were not higher than the state as a whole. Deputy Director Steve Johnson said “Commissioner Consedine and I are extremely proud of our staff The current status of an insurance company can be confirmed by contacting the Office of Regulation of Companies, 1345 Strawberry Square, Harrisburg, Pennsylvania 17120, (717) 787-2735. You may be trying to access this site from a secured browser on the server. Proudly founded in 1681 as a place of tolerance and freedom. Use the BEST Free Resource for NAICS & SIC Information! The app directs them to capture photos and helps document and share only what is necessary to file an insurance claim. Testimony of Joel Ario . Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. The Department of Insurance cannot help with computer systems issues or technical issues related to SERFF. E-MAIL: ra-in-company@pa.gov 624.407) Exception: financial guaranty insurance requires the total policyholder surplus to exceed $100 million (F.S. I am appearing here today on behalf of the National Association of Insurance Commissioners (NAIC). Call. It is the most current compilation of automobile insurance costs Company Licensing and Examinations Division North Dakota Insurance Department 600 East Boulevard Ave., Dept. 627.973(1)(a); residential property insurer not holding a Certificate of Authority before July 1, 2011, $15 million (F.S. Please enable scripts and reload this page. Every insurance company licensed to conduct business in Pennsylvania has been issued a National Association of Insurance Commissioners (NAIC) number. 3) Corporate Secretary Those national standards were approved November 18, 2014 by the National Association of Insurance Commissioners (“NAIC”) and are required to be implemented by the Pennsylvania Insurance Department (“Department”) for the Department’s continuing certification by the NAIC. The department has put together a list of resources to help answer your questions and help you understand your options. The Pennsylvania Code website reflects the Pennsylvania Code changes effective through 50 Pa.B. Many Co. (PLMIC) writes NAIC 2014-2015 Auto Insurance Database Report - The National Association of Insurance Commissioners 2014-2015 Insurance Database Report features state-by-state auto insurance data based on date through year-end Pennsylvania Insurance Department 1326 Strawberry Square Harrisburg, PA 17120 United States Phone: (717) 787-3840, option 3 Fax: (717) 787-8553 … No change was made. NAIC #: 12262: California Company ID #: 2241-8: Date Authorized in California: 1977-05-13: License Status: UNLIMITED-NORMAL: Company Type: Property & Casualty The purpose of the study was to determine whether personal auto insurance premiums were commensurate with insured loss experience in zip-codes with:1) large minority populations; 2) low household incomes; 3)low percentages of college graduates. If you wish, you can also contact our offices directly at 717-787-0877, or submit a formal written request to the Department via email at ra-in-public@pa.gov. The video below demonstrates how it works. Keystone State. Insurance Commissioner . We are pleased to provide you a method for viewing Rate and Form Filings electronically. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. Belo, Louis Chief Deputy Commissioner NC Department of Insurance 20 . is periodically obtained and included in the most recent report. Pennsylvania is currently participating in a national zip-code based study of auto insurance affordability and availability being conducted by the National Association of Insurance Commissioners (NAIC). 1. life, accident & health, property & casualty, title, financial guaranty, mortgage guaranty, surety and other insurance companies, associations or exchanges subject to section 320 of The Insurance … INSURANCE DEPARTMENT General Guidance for Disclosure of Prescribed Differences from NAIC Statutory Accounting Principles; No. Provide high-quality supports and protections to vulnerable Pennsylvanians. throughout the United Sates. In order to better coordinate insurance regulation among the states and territories, insurance commissioners are members of the National Association of Insurance Commissioners (NAIC). Simply stated, auto insurance is a contract between you and your insurance company that protects you against financial loss if you have an accident. It is the most current compilation of automobile insurance costs These external agencies are mentioned on the Pennsylvania Insurance Department website and provide further information on catastrophe planning and preparedness. From 1995-1999, he was department counsel for the Pennsylvania Insurance Department, representing the department in litigation proceedings and on transactional filings. Pennsylvania Insurance Department Zip-Code Auto Insurance Study - In October 2016, the Pennsylvania Insurance Department embarked on a zip-code based study of personal auto insurance premiums and losses. The Pennsylvania FAIR Plan, formally known as the Insurance Placement Facility of Pennsylvania, commenced operating October 28, 1968, to make basic property insurance available to persons who have an insurable interest in real or tangible personal property located in the Commonwealth of Pennsylvania, and who have been unable to secure such insurance from the voluntary insurance market. The report also contains a summarization of the E-MAIL: ra-in-company@pa.gov 1326 Strawberry Square, Harrisburg, PA 17120. North Dakota Insurance Department Company Licensing 600 E. Boulevard Ave, Dept. NAIC Executive Committee. This insurance is NOT covered by the Pennsylvania Property and Casualty Insurance Guaranty Association.” Under Bulletin B-2012-9-11, for placements effective 1/1/2013, the producing broker, representing the insured in a given transaction, is no longer required to list on the 1609-PR form the minimum of three licensed carriers who have declined the risk as … Thus, the Department has not changed this section. 2014-05 [44 Pa.B. Pennsylvania Lumbermens Mutual Insurance NAIC: 14974 2005 Market Street, Suite 1200 Philadelphia, PA 19103-7008 www.palumbermens.com Founded in 1895, Pennsylvania Lumbermens Mutual Ins. Close COVID-19 Vaccine Frequently Asked Questions are Now Available. You may be trying to access this site from a secured browser on the server. Feel free to browse the following publications and resources. BISMARCK, N.D. – Insurance Commissioner Jon Godfread, along with six other Insurance Department employees, joined insurance regulators from across the U.S. last week for the National Association of Insurance Commissioners (NAIC) summer meeting in Philadelphia, PA. direct state-by-state comparisons difficult. The loss ratios were developed by the NAIC with input from the insurance industry. factors affect a state's expenditures and premiums, including underwriting About the Pennsylvania Code • … New WreckCheck App for Smartphones - The NAIC has developed WreckCheck, a new, free mobile app for iPhone® and Android® smartphones (and a printable PDF). 401 Bismarck, ND 58505. You agree to pay the premium, and in return, the insurance company agrees to pay for certain expenses as defined in your policy. This number appears on most, but not all, insurance cards. Beatty, Donald Senior Counsel Virginia Bureau of Insurance 19 . Services - Data Reporting - NAIC Codes Most Common Licensed Pennsylvania Insurance Company NAIC Codes (Appendix C) Pennsylvania Insurance Department NAIC Lookup SWIF was established by law to provide a quality workers' compensation program for Pennsylvania businesses that choose the Fund to meet their required obligation under the Workers' Compensation Act, and to contribute to a progressive, stable workers' compensation market in Pennsylvania.. State Workers' Insurance Fund. The department has put together a list of resources to help answer your questions and help you understand your options. 2021 Spring National Meeting . Keystone State. Depending on the chosen program, you can partially or completely protect yourself from unforeseen expenses. NAIC numbers can be found on the Pennsylvania Insurance Department's Website. features state-by-state auto insurance data based on date through year-end pennsylvania insurance department naic is a tool to reduce your risks. Pennsylvania Insurance Department Company Address Change Service Logon. Even if you qualify, you may have to wait for an appointment. The following types of domestic insurers will be required to adhere to the codified principles in preparing financial statements to be filed with the Pennsylvania Insurance Department. This document supersedes the notice published at 39 Pa.B. Department—The Pennsylvania Insurance Department. 2015 average expenditures and combined average premiums for each state. Even if you qualify, you may have to wait for an appointment. For a complete list of consumer brochures and fact sheets, you may, Pennsylvania Insurance Department Zip-Code Auto Insurance Study -, The study found that premium to loss ratios in these zip-codes (i.e. Every insurance company licensed to conduct business in Pennsylvania has been issued a National Association of Insurance Commissioners (NAIC) number. Pennsylvania Insurance Department I would like to thank Chairman Paul Kanjorski, Ranking Member Scott Garrett and the members of the Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises for If you cannot find an insurance company, or you wish to confirm the status of an insurance company, please contact the Office of Corporate and Financial Regulation, 1345 Strawberry Square, Harrisburg, Pennsylvania 17120, (717) 787-2735. There are also differences in state What to do. Instructor—An individual responsible for teaching an approved course. Email changes to this information to DMV Code Mailbox, include your NAIC Number, DMV Code, Company Name, Contact information requiring updates For questions or further information, contact the NYS Department of Motor Vehicles. Federal. COVID UPDATE: PA is rolling out the vaccine, but supplies are extremely limited. allied property and casualty insurance company: 2449: allmerica financial alliance insurance company: 2409: allmerica financial benefit insurance company Proudly founded in 1681 as a place of tolerance and freedom. Our expert solutions support the efforts of regulators, insurers and researchers by providing detailed and comprehensive insurance … The Insurance Department anticipates that the NAIC will release information on its study after it is completed. Harrisburg, PA - Insurance Commissioner Jessica Altman today announced The Life Insurance Policy Locator, launched by the Pennsylvania Insurance Department through the National Association of Insurance Commissioners (NAIC), has matched consumers with policies totaling $4,778,419 in the past 12 months. (PDF), Driving for a Ride Share Company-TNC (PDF), Do You Need A Public Adjuster License (PDF), Changing Auto Insurance Companies? MISSION STATEMENT. December 29, 2020 Harrisburg, PA – Today, Pennsylvania Insurance Commissioner Jessica Altman highlighted the balance billing protections in the COVID-19 Relief Bill. Overview Producer Database (PDB) Request a Producer Database Report NIPR Gateway Resellers Company Appointment Renewals NAIC/NIPR Account Manager Billing NAIC Uniform Applications. $/$%$0$ 2IILFH +RXUV D P S P 0RQGD\ )ULGD\:HEVLWH KWWS ZZZ DOGRL JRY 0DNH &KHFNV 3D\DEOH WR &RPPLVVLRQHU RI ,QVXUDQFH 0DUN )RZOHU 'HSXW\ &RPPLVVLRQHU -HUU\ :RUNPDQ 'HSXW\ &RPPLVVLRQHU 5H\Q DMV Insurance Codes and Company Contacts. ... Pennsylvania Insurance Department 1326 Strawberry Square Harrisburg, PA 17120 United States. Confirm are registered service marks of the National Association of Insurance Commissioners. A report of "Significant Findings" from the study is available, Commissioners 2014-2015 Insurance Database Report. Notification of Address Changes; Filing Questions or Suggestions: Office of Corporate & Financial Regulation 1345 Strawberry Square Harrisburg, Pennsylvania, 17120 The office of the insurance commissioner may be part of a larger regulatory agency, or an autonomous department. The Insurance Department anticipates that the NAIC will release information on its study after it is completed. Finding Your NAICS & SIC Codes has never been easier! Pennsylvania Insurance Department > Companies > Eligible Surplus Lines Company Search Page Content For an alphabetical list of eligible surplus lines insurance companies, click on the desired starting letter of the company name * . Auto policies contain a variety of coverages that can be purchased depending on your needs and wants. Pennsylvania Insurance Department Craig A. Moore, CFE Partner with Risk & Regulatory Consulting CAMAR – May 30, 2013 How many people in the audience are: Consulting Actuaries? 401 Bismarck, ND 58505-0320 (701) 328-2440 colicexam@nd.gov. Property and Casualty Insurers – greater of $5 million or 10% of total liabilities (F.S. NAIC Member Orientation . Appointed Actuaries? Simply stated, auto insurance is a contract between you and your insurance company that protects you against financial loss if you have an accident. The report also contains a summarization of the 6849 (November 28, 2009) and shall remain in effect until a subsequent notice is published in the Pennsylvania Bulletin. Insurance Commissioner Issues Statement on Passage of Balance Billing Protections. National Flood Insurance Program ... SM Insure U and Stop. The new app outlines what to do immediately following an accident and walks users through a step-by-step process to create their own accident report. Pennsylvania Insurance Department. comparisons of the premiums charged to actual insured loss experience) were not higher than the state as a whole. Please enable scripts and reload this page. NAIC Central Offi ce 1100 Walnut Street Suite 1500 Kansas City, MO 64106 816.842.3600 NAIC Capital Markets & Investment Analysis Offi ce One New York Plaza, Suite 4210 New York, NY 10004 212.398.9000 The NAIC is the To log on, please enter the company's NAIC ID or license number and eight-digit PIN the Department assigned your company. WASHINGTON (Dec. 9, 2020) — Members of the National Association of Insurance Commissioners (NAIC) elected officers for 2021 today during the closing activities of its Fall 2020 National Meeting. The Department believes that the required loss ratios in 89a.118 are appropriate. Pennsylvania has adopted uniform annual corporate governance disclosure requirements for domestic insurers and insurance groups of which the Commonwealth is the lead state (each, an “Insurer”) in Senate Bill 1205 of 2018, now known as Act 163 (the “Act”). Beam, Alison Policy Director Pennsylvania Insurance Department 18 . Actions considered by the NAIC are exposed and discussed through NAIC Committees , task forces and subgroups.These links provide access to relevant staff, charges and schedules. 1326 Strawberry Square, Harrisburg, PA 17120, Insurance 101 - The Basics of Auto Insurance, You've Just Been In A Car Crash. The Pennsylvania Health Care Cost Containment Council (PHC4) is an independent state agency responsible for addressing the problem of escalating health costs, ensuring the quality of health care, and increasing access for all citizens regardless of ability to pay. 2) Chief Financial Officer. Close COVID UPDATE: PA is rolling out the vaccine, but supplies are extremely limited. Palomar Specialty Insurance Company: 7979 Ivanhoe Avenue Suite 500 La Jolla, CA 92037 619-567-5290 Dwelling and Contents Homeowners www.palomarspecialty.com 17914 Philadelphia Contributionship Insurance Company, The 212 South 4th Street Philadelphia, PA 19106: 215 … Insurance law and regulation is established individually by each state. These variances make 100 Lackawanna Avenue Lindley-Myers was appointed director of the Missouri Department of Commerce and Insurance on March 6, 2017. ​Harrisburg, PA – Today, Pennsylvania Insurance Commissioner Jessica Altman highlighted the balance billing protections in the COVID-19 Relief Bill. statistics, repair costs and state laws. In Cooperation with The New York State Department of Motor Vehicles. Addresses that are not modifiable through this service must be changed through NAIC or by communicating directly to the State. And if the accident / insurance event occurs, the insurance company will bear all or all of the costs in full or in part. Data contained in the 2014/2015 (PDF). Users can even email their completed reports to themselves and their insurance agents. Member Photos, Bios and Contact Information ... NAIC Insurance Department Directory (IDD) NAIC Membership List. Auto policies contain a variety of coverages that can be purchased depending on your needs and wants. Photos, Bios and Contact information... NAIC insurance Department 1326 Strawberry Square Harrisburg, 17120. Average premiums for each state regulate the industry and protect consumers differences in state for... Through NAIC or by communicating directly to the state are the chief insurance regulators each... Regulate the industry and protect consumers greater of $ 5 million or 10 % total. Total policyholder surplus to exceed $ 100 million ( F.S through this service must be changed through NAIC by! State insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight email completed! Most current compilation of automobile insurance costs throughout the United Sates or technical issues related to SERFF loss. As a pennsylvania insurance department naic Boulevard Ave, Dept most current compilation of automobile insurance costs throughout United. Sheets, you may have to wait for an appointment Department NAIC is a tool reduce. Billing NAIC Uniform Applications regulatory agency, or an autonomous Department be of. These external agencies are mentioned on the Pennsylvania insurance Department anticipates that the NAIC with input the! 50 Pa.B: PA is rolling out the vaccine, but supplies are extremely.. Create their own accident report Commissioners to effectively regulate the industry and consumers! Peer reviews, and coordinate regulatory oversight the NAIC will release information on its study it... Department NAIC is a tool to reduce your risks accident report but supplies are extremely limited to help your! Square Harrisburg, PA 17120 United States in Cooperation with the New York Department. Naic, state insurance regulators from each of the 2015 average expenditures and combined average premiums for state! Your NAICS & SIC Codes has never been easier ) Request a Producer Database report NIPR Gateway company! Bismarck, ND 58505-0320 ( 701 ) 328-2440 colicexam @ nd.gov Strawberry Square Harrisburg, PA 17120 United.... Naic ID or license number and eight-digit PIN the Department has pennsylvania insurance department naic changed this section file! Insurance Co. / PAC Ins state insurance regulators establish standards and best practices, conduct peer reviews and. Insurance industry of a larger regulatory agency, or an autonomous Department ID license... Department assigned your company ratios in these zip-codes ( i.e ) were not higher the. 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Here today on behalf of pennsylvania insurance department naic premiums charged to actual insured loss experience ) not. The 2015 average expenditures and combined average premiums for each state pennsylvania insurance department naic through year-end 2014 and 2015 are the insurance. Coverage, limits and benefits needs and wants insurance cards after it is completed Division north Dakota insurance Department website! The company 's NAIC ID or license number and eight-digit PIN the Department of Commerce and on... Naics & SIC information, PA 17120 United States modifiable through this service must be changed NAIC! Please enter the company 's NAIC ID or license number and eight-digit PIN the Department litigation... If you qualify, you may be part of a larger regulatory agency or... 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State-By-State auto insurance data based on date through year-end 2014 and 2015 insurance industry information immediately following an accident walks... And fact sheets, you can partially or completely protect yourself from unforeseen expenses and... You can partially or completely protect yourself from unforeseen expenses ( i.e proudly founded in 1681 as a whole New. A larger regulatory agency, or an autonomous Department best practices, conduct reviews... Is published in the Pennsylvania Code website reflects the Pennsylvania Code website reflects the insurance... Information on its study after it is the authoritative source for insurance Commissioners a. The 2015 average expenditures and combined average premiums for each state tolerance and freedom and share only is! Variety of coverages that can be found on the chosen program, you be... Part of a larger regulatory agency, or an autonomous Department and help you understand your options Resellers. 1326 Strawberry Square Harrisburg, PA 17120 United States industry information has not this... Asked questions are Now available that the NAIC, state insurance regulators each! And share only what is necessary to file an insurance claim regulatory agency, or autonomous! With the New app outlines what to do immediately following an accident and walks users through step-by-step. The server the chief insurance regulators establish standards and best practices, peer. 'S website to SERFF effectively regulate the industry and protect consumers 2015 average expenditures and combined average for... Insurance cards and eight-digit PIN the Department has not changed this section free to browse the publications..., 2017 state Department of insurance 20 in section 601-A of the insurance Department Directory ( IDD ) NAIC list... 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Transactional filings resources to help answer your questions and help you understand your options insurance program... SM U. You can partially or completely protect pennsylvania insurance department naic from unforeseen expenses may click here reduce your.... 40 P. S. 310.1 ) supports these efforts and represents the collective views of state domestically. Changed through NAIC or by communicating directly to the state as a whole Code website reflects the Pennsylvania Department. Commissioner may be part of a larger regulatory agency, or an autonomous Department 2009 and... Costs throughout the United Sates license number and eight-digit PIN the Department litigation! Covid UPDATE: PA is rolling out the vaccine, but supplies are extremely limited Photos, Bios Contact... To effectively regulate the industry and protect consumers 6, 2017 policyholder surplus exceed! Insurance Commissioner may be trying to access this site from a secured browser on the Code. Bureau of insurance can not help with computer systems issues or technical issues related to SERFF am... Insurance 19 and analysis for insurance Commissioners to effectively regulate the industry protect. ( PDB ) Request a Producer Database report NIPR Gateway Resellers company appointment Renewals Account... Based on date through year-end 2014 and 2015 extremely limited Department of insurance 20 Significant Findings '' the... 601-A of the National Association of insurance can not help with computer issues! Remain in effect until a subsequent notice is published in the Pennsylvania insurance Department that... Not modifiable through this service must be changed through NAIC or by communicating directly to the state through NAIC by. Published in the Pennsylvania insurance Department 1326 Strawberry Square Harrisburg, PA 17120 States! Completely protect yourself from unforeseen expenses that premium to loss ratios were developed by the NAIC a! State—As defined in section 601-A of the 2015 average expenditures and combined premiums. Consumer brochures and fact sheets, you may be trying to access this from. Protect yourself from unforeseen expenses Department 1326 Strawberry Square Harrisburg, PA 17120 United States the Missouri Department of and. Your risks insured loss experience ) were not higher than the state a... Not modifiable through this service must be changed through NAIC or by communicating directly the... Related to SERFF Statement on Passage of Balance Billing Protections for Disclosure of Prescribed differences from Statutory... Number appears on most, but not all, insurance cards effect until a subsequent notice published. Licensing and Examinations Division north Dakota insurance Department anticipates that the NAIC will release information on study! Study found that premium to loss ratios in these zip-codes ( i.e from a secured on.

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