I'm a firm believer in the WLPIP myself. I use it every year, whether it's a good year or a bad year. Right now the premiums are indeed high, and that's based on the volatility. I don't know how you can get around that. Perhaps you could mitigate that volatility somehow with a little more backstop from the government, to take some of the risk out of it for the underwriters. I understand that the volatility equation needs to be in the system, just to cover the program so that the program itself can continue running.
