Description: From the Editor: This issue of Long-Term Care News attempts to address how LTC insurers manage investment risk and morbidity misestimation risks.

Description: New insurance product concept to cover elder care

Description: To penetrate the market of those who today are concerned about future long-term care needs, LTCI providers will need to combine strategies for financial sustainability with the consumer- driven product design focus of the early to mid-1990s.

Description: The editor discusses the importance of purchasing a long-term care insurance policy. He also presents highlights of the articles contained in the issue.

Description: Projecting Policy Persistency by Bruce Stahl from Long-Term Care Newsletter, September 2004, Issue No. 12.

Description: A preview of the articles in the May 2009 issue of Long Term Care News, with a theme of focusing on the pure fundamentals of actuarial work.

Description: The author discusses the Genetic Information Nondiscrimination Act of 2008 GINA and its ultimate effect on the long-term care industry in general, and on current and future insureds, specifically.

Description: One of the dangers in any sort of modeling, whether for insurance experience or in financial portfolios, is becoming too reliant upon statistics and models, and not keeping reasoned, experienced judgment in sight. This article provides ways to address adverse experience possibilities resulting from misestimation risk.

Description: Recommendation to measure the risk for the components of combination Life/LTC products.