Description: Approaches to filing, approving and implementing LTC rate increases impact policyholder behavior regarding retaining/modifying their coverage.

Description: The article looks back at the development of life protection product underwriting and pricing in UK. It describes the development in waves of change, looking at different drivers, e.g. consolidation of the life insurance industry, the role of technology as a driver for efficiency gains via electronic underwriting. Different levels of sophistication are being discussed and possible implications for the relationship between direct offices and reinsurers. This rather thought provoking article is based upon Munich research as well as market experience and ties in with a number of current topics as for example potential changes as a result of the Retail Distribution Review and the Gender Directive implementation.

Description: Recent health care reform activity has highlighted the importance of Clinical Integration in improving the quality, safety, efficiency and reimbursement infrastructure of the health care system. This article discusses relevance and implication of regulatory measures, implementation and data issues, and provides an end-to-end example.

Description: Panelists discuss employers' perspective of defining strategies to identify best-in-market opportunities. From the Record of the Society of Actuaries, Vol. 24, No. 1.

Description: A physician discusses white matter lesions on the brain - their nature, causes, severity, importance, associated risks, and underwriting implications for long term care insurance.

Description: A review of the current NAIC model regulation methodology ensuring LTC companies do not recoup past claim losses in LTC rate increases.

Description: A discussion of the future of the Brazilian Health Market with a focus on the legislation which passed in June 1998 to regulate the private health insurance industry

Description: In 2015, LIMRA partnered with the SOA on a study that focused on examining individual LTC policy termination experience including both voluntary lapse and mortality results. This work was based on data submitted by 22 LTC carriers representing approximately 75 percent of the LTC lives inforce over the study period 2000-2011. This article discusses an area of emphasis for the policy terminations work which was to better understand the impact of data quality on reported results given the continued difficulty for insurers in accurately distinguishing voluntary lapse activity from deaths.

Description: This article provides a summary of the 2016 Milliman LTC rate increase survey and additional commentary from our years of experience with rate increase filings.

Description: This is a summary of topics discussed at the 1996 Bowles Symposium: “The Old Age Crisis: Actuarial Opportunities,” September 26-27, 1996, at Georgia State University, Atlanta.