[phonon]

It's all publically available.

Filings are done through the SERFF system.

So Google SERFF and say "NY". (which will take you to https://filingaccess.serff.com/sfa/home/NY )

Then search by carrier, line of business etc. You want "rate" filings. You will find a report by an actuary, lots of justification explaining price changes, correspondence between the company and regulators asking/answering questions, details on how the rate changes will affect current customers, etc.

SInce most rate filings are to adjust current in force rates, they don't always repeat all the underlying details. With a little more effort you can look up initial rate filings, and they will walk through methodologies in more detail.

Once those prices are filed, they are locked in (for consumer types of insurance). Companies can't deviate in any way. (including giving unauthorized discounts).

[kirse]

This is great and really well organized, thanks for sharing!