Agents are paid commissions from whatever they sell you, and it's a pretty good assumption that the higher your premiums, the more you pay out in commissions. (cheerfulegg.com)
But the realism of such models are only as good their assumptions and inputs, some of which is worth scrutiny. (greenleapforward.com)
They weren't successful with that but they did get enough to be able to make some fairly good assumptions from that data. (teachermagazine.com.au)