Life and Health Rate & Product Filing Bureau

The Life & Health Rate and Product Filing Bureau assists the Superintendent in reviewing and approving all life and health forms and health insurance rates to ensure compliance with the New Mexico Insurance Code, Federal Requirements and Office of Superintendent of Insurance (OSI) Rules & Regulations. This Bureau regulates accident and health, credit life and disability, life, annuity, long-term care and Medicare supplement insurance lines of insurance.

This office utilizes SERFF (System for Electronic Rate and Form Filing) which offers a technological solution and cost-effective method for facilitating the submission, review, and approval of product filings. For further information go to the National Association of Insurance Commissioners (NAIC) or System for Electronic Rate and Form Filing (SERFF) website.

Recent News

Rate Bulletins

  • Bulletin 2016-009 Requirements for rate and form & rate filing submissions.

  • Bulletin 2016-007 Adjustment of presumptively acceptable credit life insurance and credit card accident and health insurance premium rates.

  • Bulletin 2014-004 Rate and Form Filing Request for Confidential Information.

Other Applicable Bulletins

Please see the Bulletins page for more information

Life & Health Product Filing Rules

The Office of Superintendent of Insurance requires that insurance carriers file rates and rate-related forms along with corresponding forms in SERFF. The Life & Health Rate & Form Filing Bureau does not allow “file & use” as all forms submitted are subject to review and approval prior to any use.

Life & Health Information for Consumers

Life & Health Information & Forms for Carriers


The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to continue their group health benefits under certain circumstances such as job loss, reduction in hours worked, transition between jobs, death, divorce, and other life events.

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The Centers for Medicare & Medicaid Services (CMS) is a federal agency that administers the Medicare program and works in partnership with state governments to administer.

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Aging and Long-Term Services

The New Mexico Aging and Long-Term Services Department (ALTSD) provides services to older adults, and adults with disabilities in assisting, obtaining and receiving benefits (i.e Medigap, Long-term care insurance and other Medicare issues)

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