[nimih]

Unfortunately, in some states, even after reading and cross-referencing dozens of obtuse rules and tables from a given company's rules and rates filing, you may eventually find that the final premium relies on the output of some manner of GLM/tree model that you'll never have access to.

[phonon]

True, you might need to review those rate/rule filings across several states to tease out the more obscure aspects...or any large actuarial firm can do it for you.