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　　ariable annuity product that will provide:
　　? 50 different investment options.
　　? A variety of guaranteed death, annuity, income and withdrawal benefit options.
　　? Asset-based expenses that vary with the account value of the policy.
　　(a) Define each step in the product development process according to LOMA.
　　(b) Determine and define for this product development project the applicable:
　　(i) corporate growth strategy,
　　(ii) marketing strategy and
　　(iii) type of innovation.
　　(c) In developing expected lapse assumptions for the new product:
　　(i) List the factors affecting lapse rates.
　　(ii) Explain how the expected lapse assumptions would be impacted by each of
　　the proposed design features, and justify your answer.
　　(d) The entire product development project is expected to cost $10 million. Saturn’s
　　variable annuity products are expected to return 1% of premium annually after-tax.
　　The projected increase in sales is: <
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