Actuarial Services The Actuarial Services Division assists the Insurance Department in its mission to protect consumers in insurance matters. Among the ways it does this are as follows: by providing technical assistance to the Property and Casualty Division and the Life and Health Division in reviewing filings made by insurance companies that seek to make changes in premium rates. By law, an insurer must submit a filing with actuarial data to support the proposed changes to its premium rates. By statute, rates must not be inadequate, excessive, or unfairly discriminatory. The ASD is typically asked to review filings when they are complex, involve a large insurer, or an unusual change. by assisting the Legal Division when there are rate hearings scheduled. These frequently occur in the automobile, homeowners, and workers compensation lines of business. by assisting the Financial Division in fulfilling its responsibility to ensure that insurance companies that are headquartered in North Carolina, or licensed to do business in the state, are financially secure enough to be able to pay all claims they are obligated to pay. This financial analysis commonly requires the expertise that actuaries are trained to provide. by assisting the Consumer Services Division when it receives consumer complaints, especially with regard to insurance pricing. by responding to requests from State Legislators in regard to proposed legislation affecting the various types of insurance such as auto, home, life, health, workers compensation, and medical malpractice.