Rate Regulation Branch - Deputy Commissioner

Ken Allen joined the California Department of Insurance and the Rate Regulation Branch in September 1989, shortly after Proposition 103 was approved and enacted. After working his way up from Insurance Rate Analyst to Supervising Insurance Rate Analyst, Ken was promoted in September 2016 to Deputy Commissioner of the Rate Regulation Branch.

Ken graduated from California State University Fullerton in 1989 with a Bachelor of Arts degree in Mathematics. He earned his Chartered Property Casualty Underwriter designation in 1996 and holds an Accredited Insurance Examiner designation through the Insurance Regulatory Examiners Society (IRES). He was elected to IRES' Board of Directors in 2013, became a member of IRES' Executive Committee in 2014, and is currently Immediate Past President of IRES.

The Rate Regulation Branch is responsible for the prior approval of property and casualty (P&C) insurance rates charged to consumers. Under California’s prior approval statutes and provisions of Proposition 103 enacted by the voters in 1988, the Branch analyzes rate filings submitted by P&C insurers and other insurance organizations for most P&C insurance lines of business, ensuring that proposed rates are not excessive, inadequate, or unfairly discriminatory. In addition, the Branch analyzes filings submitted by P&C insurers and other insurance organizations under California’s file-and-use statutes for a limited number of P&C lines of business.

The Rate Regulation Branch consists of:

• Rate Regulation Division
• Rate Actuary Office