1. A computer implemented method of pricing an insurance policy, the method comprising: receiving, by a computer system, a risk acceptance value, wherein the computer system comprises a processor and a memory; receiving, by the computer system, aggregate risk distribution data corresponding to a savings criteria, wherein the aggregate risk distribution data is stored on the memory; calculating, by the processor, a loss cost component based on the risk acceptance value and the aggregate risk distribution data, wherein the processor is specifically configured to calculate the lost cost component; calculating, by the processor, a rate-on-line loss cost requirement, wherein the processor is specifically configured to calculate the lost cost component; determining, by the processor, an overall loss cost component based on the loss cost component and the rate-on-line cost requirement, wherein the processor is specifically configured to determine the overall loss cost component; and calculating, by the processor, an adjusted premium for the insurance policy by applying underwriting expenses to the overall loss cost component of an insured, wherein the processor is specifically configured to calculate the adjusted premium.