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Hi Mike - No argument from me about what you are saying re perception and reality. On 12 July 2012, in a Money Management article entitled "Life - Risky Business", I believe I suggested similar sentiments. The issue has various facets - the suggestion regarding replacement premium % is seeking to get more robust numbers about quantum which is aligned to premium rather than policy numbers. This is the first step following on from which is the requesting of explanations from those potentially at fault. Happy to chat if you wish to call.