You are working as a trainee actuary in the marketing department of a small life assurance company. It has decided to launch a new mortgage protection policy, covering policyholders against death or critical illness during the term of their mortgage. The product pricing process has revealed that your company can sell this policy cheaper than other products currently on the market and also that the new policy can provide protection against more critical illnesses than other products on the market. Discuss the implications for the stakeholders involved, including briefly outlining their interests. Discuss the risks facing the insurance company from launching the new policy.