What is the meaning of an underwriting rule?

^7. In Smith v. State Farm Mutual Automobile Ins. Co. (2001) 93 Cal.App.4th 700, we considered the meaning of "underwriting rule" for the purpose of Insurance Code section 1858, which provides an administrative remedy for any person "aggrieved by any rate charged, rating plan, rating system, or underwriting rule" followed or adopted by an insurer. We concluded that an underwriting rule "is properly characterized as a rule followed or adopted by an insurer... which either (1) limits the conditions under which a policy will be issued or (2) impacts the rates that will be charged for that policy." (Smith v. State Farm Mutual Automobile Ins. Co., supra, 93 Cal.App.4th at p. 726.) Our discussion is not inconsistent with this definition.