Under O.C.G.A. § 33-9-4, which of the following is NOT among the factors an insurer may consider when developing a Georgia P&C rate filing?

Why this is the answer

O.C.G.A. § 33-9-4 enumerates lawful rate-making factors: past/prospective loss experience, catastrophe hazards, conflagration and catastrophe loadings, dividends, savings or unabsorbed premium deposits, investment income, expenses, and a reasonable margin for underwriting profit and contingencies. Race, religion, national origin, and similar protected characteristics are categorically prohibited as rating factors because they bear no actuarial relationship to expected loss and are barred by § 33-6-4, which makes charging a different rate because of race, color, or national or ethnic origin an unfair practice in any kind of insurance, and by § 33-9-4(9), which bars vehicle rating plans based on race, creed, or ethnic extraction.