Tier eligibility — monthly PL new business premium
Enter all 3 months to determine tier
Tier 2 requires ≥$2,000 qualifying PL NB premium in each of the 3 months
Quarterly PL NB premium auto-sum
0.00 pts
Life I&P points — up to 0.5 pts (excluded for NY agents)
Rolling 12-month Life I&P count
Best of two methods →
0.00 pts
0.00 pts
BI new business count points — up to 0.5 pts
Rolling 12-month BI NB count
Best of two methods →
0.00 pts
0.00 pts
Loss ratio score points — up to 0.5 pts
Loss ratio as % of target
0.00 pts
95% or below = 0.50 pts · 105% or above = 0.00 pts · linear scale between
Survival rate points — up to 1.0 pts
Enrolled in retention program?
SR improvement target achieved?
0.50 pts
Point-by-point breakdown
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VRC points are the same across all products — only the base rate differs by product and state. Consult Agency Operations Manual for exact base rates.