Description: Insurance covering long-term care insurance is an insurance market with unmet needs. Long tailed liabilities and historical pricing challenges have left relatively few carriers selling into the market. Hybrid products, combining LTC benefits with familiar chassis offer an opportunity to merge and mitigate morbidity risks with conventional product risk life insurers already manage. Combination products have a long market history, but continue to evolve. Key recent developments to be discussed include: - Market participating (indexed or variable) products to replace flat inflation guarantees - Worksite/group markets with portable products to augment and shield retirement savings against catastrophic LTC events. - Renewed focus on joint products with appropriate features to balance risk and LTC benefits per premium dollar. Public and private cooperation to manage the risk pool and extend public funding to cover key coverage gaps. By attending the session, you will: - Be caught up with current trends in Life/LTC and Annuity/LTC product innovation. - Will hear where product experts think existing products can be improved, and possible ways to meet the needs of all stakeholders.

Description: LDTI's roll forward disclosure requirements include line items for the impact of actual variances from expected experience (A/E) for both net premiums and benefits. These aggregate A/E amounts provide some insight into how actual experience is emerging relative to expectations, but they do not provide insight into either the drivers of the deviations or their significance.

Description: Dive into the challenges of practitioners working across components that make up the Risk Management infrastructure with a variety of health, life and P&C insurers in this panel discussion webcast. Panelists will highlight how these insurers operate with the data and tools available to them and the existing challenges in interactions with an organization's leadership. Be part of this webcast that delves into the interplay between first- and second-line defense and how high levels of independence and professionalism can be achieved in a fast-moving, multi-discipline cross functional ERM role.

Description: Product complexity, the services provided by distributors, their method of obtaining clients, and their relationship to insurers all affect the characteristics of in force membership. Selecting the distribution channel(s) for a product can have a significant effect on overall profitability. Total sales, acquisition costs, anti-selection/quality of business, persistency, control over market targeting, etc., will vary based on the initial strategy decisions and future adjustments. Gaining a high-level understanding of distribution channels will help develop an appreciation for the importance of these decisions.

Description: The Casualty Actuarial Society (CAS), the Society of Actuaries (SOA) and the Society of Insurance Research (SIR) started developing research addressing diversity, equity and inclusion (DEI) topics. Join panelists as they briefly present an overview of their organization's DEI research and share their perspectives on common challenges facing all the stages of this research: - Planning relevant and timely research with a long timeline. - Getting appropriate data and resources to support your research. - Communicating research on topics that may be controversial.