1.What kind of situation will lead to the change of premium rate.费率变动会涉及该险种的所有保单持有人,而不只是单个持有人.费率变动与否取决于对未来情况的预期是否有变动,例如,由于人体内在原因导致癌症发病率高于原先估计值的,（就会导致费率调整）
2.How to deal with the clients who are not willing to accept the change of premium rate.可能的退保者
3.Whether it is fair for the policy holders if insurance company conclude this term.国际通行的惯例是,大多数均衡保费的保险产品并不保证投保人能按照原来的费率续保.而那些能够保证费率不变的产品一般都要昂贵得多.