use SOAP::Lite;

my $result = SOAP::Lite
  -> service('http://cms-test.pmic.com/startquote/form/RateCalculationsService.wsdl')
  ->getQuote('<passed in the xml doc containing the parameters for the request as a string>');
 
$result =~ m~<TOTALMODALPREMIUM>(.+?)</TOTALMODALPREMIUM>~ig;

my $quote = $1;