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Long-Term Care and Actuarial Equivalence
carrier has a vested interest in the policyholder’s decision regarding lowering benefits. This needs to ... reserve is that it is used to fund the policyholder’s future policy benefits. At any point in time, the ...- Authors: Robert W Darnell
- Date: Jun 2021
- Competency: Results-Oriented Solutions
- Publication Name: Long-Term Care News
- Topics: Public Policy; Long-term Care>Long-term care innovation; Long-term Care>Long-term care pricing
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First-Principles LTC-Survivorship
Status 1 can be expected to have the lowest mortality and morbidity. If one spouse dies or lapses, ... remaining spouse is now a single insured and the mortality and morbidity can be expected to increase. Status ...- Authors: Robert W Darnell
- Date: Jan 2013
- Publication Name: Long-Term Care News
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First Principles LTC -- Restoration of Benefits
anomaly is caused by the mortality rates for these attained ages. The mortality rate, in general, increases ... increases with attained age. However, the 1994 GAM mortality rates for ages 112 through 119 are forced to ...- Authors: Robert W Darnell
- Date: May 2012
- Competency: Leadership>Thought leadership; Professional Values>Practice expertise; Technical Skills & Analytical Problem Solving>Process and technique refinement
- Publication Name: Long-Term Care News
- Topics: Long-term Care