If you get the rod style fish tapes, you might be able to push the rod up into the attic. It's a bit dicey to line up the hole through the walls top 2x4's. Fish stick tends to ride the stud up, but yeah insulation can easily change that.
If your panel box has any kind of opening at the top you could get your flattened hand into, you might be able to drop the fish stick down from the attic. It should catch up on the panel box top inside the wall so it's just a matter of getting a hold of it with your fingers and pulling it out into the box.
(I just did the latter for my speaker wires, cut rectangles into the bottom of my drywall to get my fingers in there and pull out the fish stick end. I was fitting my hand into even 1 to 1 1/2" tall slots and able to grab the end of the rod to hook up my wire.
I also did the former sort of; dropped romex from a new wall TV outlet down into an existing electrical box in the wall. I couldn't get the rod to make the corner to go up in the wall because of the breakout tabs angle. It was a bit tough because the holes in the box were only the size of my finger, but I was able to catch a chain that came with my fish rod kit, with a magnet and feed the rods through properly.)