function getPremiumPolicyObject()
 {
     if (is_object($this->premium_policy_obj)) {
         return $this->premium_policy_obj;
     } else {
         $pplf = new PremiumPolicyListFactory();
         $pplf->getById($this->getPremiumPolicyID());
         if ($pplf->getRecordCount() > 0) {
             $this->premium_policy_obj = $pplf->getCurrent();
         }
         return $this->premium_policy_obj;
     }
 }