The Delaware Reporting Form for the Calculation of Benchmark Ratio Since Inception for Individual Policies is a standardized form issued by the Delaware Department of Insurance that provides a detailed calculation of the insurer's benchmark ratio since inception for individual policies. The form is used by insurers to calculate their benchmark ratio for individual policies in Delaware, which is the ratio of the insurer's loss ratio to the aggregate loss ratio of all companies in the same line of insurance in Delaware. The form requires the insurer to provide information on the number of policies and the total premium and losses for each line of insurance, as well as the aggregate numbers for the entire company. There are two types of Delaware Reporting Form for the Calculation of Benchmark Ratio Since Inception for Individual Policies: one for individual policies with no term limits and one for individual policies that have term limits.