Which of the following is not a goal of rate regulation?

Rate regulation aims to ensure that insurance rates are fair, adequate, and not discriminatory. The primary goals are to protect consumers by preventing excessive rates, which could lead to affordability issues, and to avoid inadequate rates that could jeopardize the insurer's financial stability and ability to pay claims.

Unfairly discriminatory rates are also a concern, as they can lead to unequal treatment of policyholders based on irrelevant factors. Therefore, rate regulation focuses on ensuring that rates reflect the true risk and do not unfairly burden certain groups.

While affordability is a critical consideration for consumers when purchasing insurance, it is not directly a goal of rate regulation. Instead, rate regulation seeks to balance the need for insurers to set adequate rates while also protecting consumers from extreme pricing practices. Thus, while affordable rates are desirable, they do not explicitly fall under the main goals of rate regulation itself.