<prompt> Translate the following text to EnglishPREMIUM DEFICIENCY - Hali ambayo dhima kwa faida ya sera ya baadaye kwa kutumia hali ya sasa inazidi dhima kwa faida ya sera ya baadaye kwa kutumia hali ya mkataba.  <response>: PREMIUM DEFICIENCY - A condition under which a liability for future policy benefits using current conditions exceeds the liability for future policy benefits using contract conditions. 