Colonial Life submitted its annual rate certification filing in Florida for its optionally renewable small-group accident insurance product, confirming no rate or benefit changes for the coming year.

The filing covers 386 certificateholders in Florida and approximately $103,000 in annualized premium. Colonial reported a 2025 Florida loss ratio of 25.7%, based on $56,926 in earned premium and $14,634 in incurred claims. Because Florida experience was deemed non-credible, the insurer relied on nationwide results to support the filing.

Nationwide, the product generated $4.08 million in earned premium and $1.74 million in incurred claims during 2025, producing a 42.6% loss ratio. Colonial reported 1,081 non-wellness claims nationwide during the year, compared to just 14 such claims in Florida over the past five years.

According to Colonial, the nationwide actual-to-expected claims ratio was 0.88 in 2025, exceeding Florida’s 0.85 threshold for annual rate certifications. The company stated that the filing is intended solely to satisfy Florida’s annual filing requirements and demonstrate continued compliance with minimum loss-ratio standards.