• In our Universal Life products, we need to find that critical point, or what is as important, what is the best level of premium relative to the target premium.
  • You don't want all target premiums.
  • In fact, the lower the premium is, the closer to the minimum premium, the happier we are.
  • How do we communicate that to our agency people?

--  Richard Schwartz, product marketing function for the agency distribution systems for the Sun Life Group of America

1986 - SOA - Organizing the Product Development Fundtion, Society of Actuaries - 46p