All the following statements concerning the retention limit of a life insurance company are correct, EXCEPT:

		A company sets its retention limit so as to prevent wide fluctuations in mortality costs.
		The larger the volume of insurance in force, the lower should a life insurer normally set its retention limit.
		The larger the insurer's surplus, the higher it may safely set its retention limit.
		The longer a company has been in business, the higher it may safely set its retention limit.