This Insurance Glossary of Terms is produced and maintained by the National Alliance Research Academy. 
If you have a comment, suggestion or question please contact us at

Top-down Pricing

Commonly known as manual rating or scheduled rating; an experience modification factor, scheduled credits or debits, premium discounts and/or deductible credits are applied to a base rate to achieve a net rate which is applied to the estimated exposure base to calculate the policy premium.

Do you need an answer immediately?

Check out our FAQ page!


We want to hear from YOU!

Be part of our Producer Profile survey and help us create a rich industry resource detailing performance, compensation, sales production, education, training, and more.