Description: Remarks on the pricing of joint LTC policies illustrate the need for an actuary's responsibility to the law, and to best practices, to take precendence over serving sales, marketing and underwriting objectives.

Description: From a session at a meeting of the Society of Actuaries held in San Diego, CA, June 22-23, 2000 Company representatives and state insurance department representatives addressed issues faced by companies in complying with the form-filing process. In addition, they offered suggestions and guidance in expediting policy form approvals.