So the solution, the one easy trick, is to work with a provider like Effective Coverage who can give you rates for several types of policies and who can pull in
the relevant factual data before giving you numbers so you know those numbers are solid!
If God can not introduce
data about the world not already available to actual entities, then there would seem to be only two sorts of things he could introduce: a sense of the possibilities
relevant to the
factual state of affairs known by each actual occasion, plus a feeling of the valuation he would prefer to have attached to each of the possibilities.