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  • An Important Matter Related to Combination Life/LTC Insurance Products
    nal natural hedge of combination life/LTCI and annuity/LTCI products. Three types of plans were compared—standalone ... Our analysis tested three scenarios: mortality alone, mortality with AB, and EOB alone; using the following ...

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    • Authors: Bruce Stahl, Elizabeth Dinc, Brian F Kelly
    • Date: Apr 2020
    • Competency: Strategic Insight and Integration
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care; Long-term Care>Long-term care combination products
  • Editor’s Corner: The “Pure” Possibilities
    Editor’s Corner: The “Pure” Possibilities A preview of the articles in the May 2009 issue of Long Term ...

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    • Authors: Bruce Stahl
    • Date: May 2009
    • Competency: Communication>Written communication; Leadership>Thought leadership; Professional Values
    • Publication Name: Long-Term Care News
    • Topics: Actuarial Profession>Best practices; Actuarial Profession>Professional associations; Long-term Care
  • Editor’s Corner: LTC Section Council—Looking Ahead and Leading the Way
    Editor’s Corner: LTC Section Council—Looking Ahead and Leading the Way The editor discusses the importance ...

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    • Authors: Bruce Stahl
    • Date: May 2011
    • Competency: Strategic Insight and Integration>Big picture view
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care
  • Innovation in the LTC Insurance Market
    product which may have been one of the most protable per premium dollar of any LTCI product sold at ... which would serve the LTC coverage needs of the U.S.’s fast-growing elderly population.1 While the issue ...

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    • Authors: Bruce Stahl
    • Date: Feb 2020
    • Competency: Strategic Insight and Integration
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care
  • What are the Primary Risks that Face LTC Insurers When Issuing a Policy?
    would have expressed concern that the lapse and mortality assumptions might be misestimated. In contrast ... being issued are priced with such low lapse and mortality assumptions that the profitability is not sensitive ...

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    • Authors: Bruce Stahl
    • Date: Sep 2010
    • Competency: Strategic Insight and Integration>Effective decision-making; Technical Skills & Analytical Problem Solving>Problem analysis and definition
    • Publication Name: Long-Term Care News
    • Topics: Experience Studies & Data>Morbidity; Finance & Investments>Risk measurement - Finance & Investments; Long-term Care
  • A Middle-Market Senior Care Solution
    well-being of their parents—the policy’s care recipient(s). This policy is designed to be available to buyers ... they most need to save for their own retire- ment(s). • Distributors can offer an affordable living benefits ...

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    • Authors: Bruce Stahl, Winona Berdine
    • Date: Aug 2020
    • Competency: Leadership; Strategic Insight and Integration
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care; Long-term Care>Long-term care insurance; Long-term Care>Funding - Long-term Care
  • Handling LTC Misestimation Risks
    judgment in sight. This was clearly seen in 2008’s financial meltdown, where overreliance on Value at ... but the historical problem of overestimating mortality and lapses is remote because pricing today often ...

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    • Authors: Bruce Stahl
    • Date: Sep 2010
    • Competency: External Forces & Industry Knowledge>Actuarial theory in business context; Professional Values>Practice expertise
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care
  • Projecting Policy Persistency
    classes. Penn Treaty data does not identify mortality and voluntary lapses sepa- rately. The substandard ... substandard classes may have much higher mortality. Yet a reasonable conclusion is that substandard classes ...

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    • Authors: Bruce Stahl
    • Date: Sep 2004
    • Competency: External Forces & Industry Knowledge>External forces and business performance; External Forces & Industry Knowledge>Internal forces and business performance
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care
  • A Serious Question
    A Serious Question The author discusses the Genetic Information Nondiscrimination Act of ... coverage” for GINA’s purposes. When GINA passed in the U.S. House of Representatives in 2008, only one member ...

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    • Authors: Bruce Stahl
    • Date: May 2011
    • Competency: Communication>Persuasive communication; External Forces & Industry Knowledge>Actuarial theory in business context; Leadership>Influence
    • Publication Name: Long-Term Care News
    • Topics: Health & Disability>Health care; Health & Disability>Health risks; Long-term Care
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