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.