Description: The Long-Term Care Insurance market is evolving. Parallels can be drawn between the current product cycle of standalone LTCI and past experiences of other insurance products. Over the last decade, the LTCI market has shifted to include a greater presence of non-standalone LTC insurance. Individual LTCI sales have been on the decline, while life-LTCI combination products have been on the rise. Because of this, many perceive that the life-combination products are taking over the LTCI market and replacing standalone LTC insurance. While life-combination products meet the LTC needs for policyholders, they may not be a good fit for all consumers in this market.

Description: Discussion of landing spots and alternative options available to insureds at the time of an LTC rate increase.

Description: Look into history of long-term care insurance industry to understand the forces that shaped current industry's position and to identify new directions.

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 article explores several ideas about in-force management and product innovation that may help the industry to reboot, in order to continue protecting Americans against the financial

Description: A summary from the annual ILTCI conference including session content from seven tracks focusing on unique issues and solutions in long term care.

Description: The article looks at the impact of voluntarily offering nonforfeiture benefits at the time of a rate increase on ALR and future profits.

Description: LTCI Pricing and Product Development Trends from an actuarial survey. by James C. Berger from Long-Term Care Newsletter, December 2002, Issue No. 7.

Description: Discussion of rate differences by family tier and risk class for LTC and Medicare Supplement plans, and to what extent these differences are fair, ethical, legal, or actuarially sound.

Description: This is a letter to Kathleen Sebelius, Secretary of the U.S. Department of Health and Human Services [HHS] from the SOA and AAA. The letter asks that the law prohibiting use of genetic information in underwriting not be extended to Long-Term Care Insurance as has been proposed by HHS.