There are two fundamentally opposing points of view when itcomes to the best design of voluntary products: CYTT and KISS.
In the product design area there's a tendency to play the “Canyou top this?” game.
In some ways I've been very good at playing this game, havingbeen part of some incredibly complex product designs before joiningMutual of Omaha. For example, I was part of a team that developed aproduct described technically as “Interest Sensitive FlexiblePremium Adjustable Life with Cost of Living Increases.” It was hardfor competitors to top, but almost impossible to explain and nearlyimpossible to administer.
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