Deductibles and Retro Plans: Know the Volatility
Lower premium options look attractive when cash is tight. Deductibles and retro plans are the common lever, but they add volatility.
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Direct answer
This tag affects pricing through risk signals, coverage structure, and carrier appetite as markets move.
Why it changes price
- It can show up as a risk signal (what carriers price).
- It can show up as coverage structure (what you retain vs transfer).
- It can show up as carrier fit (who wants your profile right now).
Decision rule
If this tag is driving your premium, confirm what changed and shop for appetite fit at renewal.