who present the same characteristics that correspond to one of the policyholders’ groups. In order to obtain the estimated value of claim frequency for these groups, we have to take into consideration that the link function for Poisson or negative binomial distribution is the logarithm function as presented in the methodology section of this paper. Considering the regression coefficients for NB2 model, the estimated value of claim frequency for the most risky policyholders’ group is obtained by the following calculation: