Hi

I'm a relative novice when it comes to insurance pricing and am trying to understand how disability pricing works. Specifically, I'm trying to understand in the US what makes up a price quote for individual long term disability insurance

Understandably every carrier has their own pricing models and so there is no one model where the inputs are made and it spits out a quote. However, if I wanted to understand in most cases what proportion of a quote were made up by the following features how could I go about it?

Features: What is their relative contribution to cost?
Age
Gender
Occupation
State
Smoker/non-smoker
Waiting period
Benefit amount
Benefit period
Any vs. own occupation
Non-cancellable/renewable
Other (are there other features that contribute significantly to the quote price?)

Any advice would be appreciated, including recommendations where I can find this kind of data and models/quoting systems where I can test how changing these variable affects the quote.

Thanks for the help!

Francois