See, insurance companies file rates with the state, and these rates are all the same no matter what channel you buy it through. (heartlifeinsurance.com)
Insurance companies determine their rate tables for different risks (age, health, and other specific factors for different types of insurance) and then file those rate tables with state insurance departments. (policygenius.com)
That means that the insurance carriers file their rates with the state and they can become effective immediately, only being reviewed for necessity and fairness after the fact. (effectivecoverage.com)