Mo. Rev. Stat. § 379.435: Rating organization defined.

Any corporation, unincorporated association, partnership, or individual, other than a licensed insurer, which has as its or his object or purpose the making of rates, rating plans, or rating systems shall be known as a "rating organization" and may, subject to the provisions of sections 379.420 to 379.510, conduct such operations in the state of Missouri. No insurer shall be deemed to be a rating organization.