Description: Despite a clear need and demographics which should be favorable to LTCI growth, the market remains stalled due to lack of understanding on the consumer side, and uncertainty on carriers' side. The 3 key risk areas for carriers are morbidity, terminations, and investment earnings. Financial market innovations which can address these include: repackaging risks as derivative securities, interest rate swaps and options, and inflation swaps.

Description: This article addresses the complexities and practicalities of constructing a continuance curve from long-term care LTC claims data.

Description: This article discusses the rationale behind having premiums for long term care insurance that vary by gender. Differences in LTC morbidity and practical aspects of gender distinct rates are discussed.