Description: The author analyzes why LTCi is so risky, capital-intensive and unprofitable, and then makes the case that if we rethink the fundamental way a stand-alone LTCi should work, it can be transformed into a successful product.

Description: Discussion of pricing and underwriting Long Term Care coverage that is combined with annuities or life insurance.

Description: First article in a series that walks through the progression from developing LTC assumptions using traditional methods to doing so using predictive analytics.

Description: This session discusses techniques that can be used for the designing, pricing and reserving of new long-term care [LTC] benefits. Included is a discussion on wellness benefits and options for traditional LTC insurance. From Record of Society of Actuaries, Vol. 30, No. 1, Session 97

Description: Feature article discussing recent innovations within the fixed annuity insurance industry and the changes those innovations may bring.

Description: Diverse Risks 2016 Call for Essays

Description: Discussion of LTC insurance product developments being spurred by recent demographic and regulatory trends, especially combination products such as LTC benefits with disability income, annuities, and life insurance. Several viable product styles are considered, along with the pros and cons of each.

Description: LTCI: Using Modified Natural Reserves as opposed to NAIC valuation reserves to accumulate margins for moderately adverse experience or to analyze experience as it develops.

Description: The panel demonstrates a technique that can help set confidence intervals regarding future rate increases used to satisfy the NAIC rate stabilization model. Specific topics include creating a stochastic model, deciding which variables are deterministic vs. stochastic, developing probability distributions for the stochastic variables, running the model and evaluating the reasonableness of results. From the Record of the Society of Actuaries, Volume 30, No. 1, Session 21