Description: The article summarizes some of the key changes in modeling, assumptions, underwriting, and design for long term care combo products over the past 30+ years. The objective is to inspire an innovative spirit that adapts to changing market needs, for example, dealing with long COVID

Description: The need for the rapid evolution, or maybe a revolution, of the Insurance business platform is a necessity in the new economy. The key drivers are technology combined with rapid improvements in customer experience, or more accurately the expectations of the customer’s experience. For Insurers that have begun the transformation to a digital business they will recognize the opportunity to take advantage of their head-start with a platform business, while others will see the evolution as an opportunity to “leap frog” into the digital business leadership.