Description: As the topic of affordable long-term care (LTC) insurance comes into focus in political conversations, we often find ourselves thinking, “What is going to happen to the private LTC insurance industry going forward?” The need for LTC in the United States is not going away, especially as the population continues to age. With this in mind, this article explores three possible future paths for LTC insurance funding and the associated implications for the private LTC industry.

Description: Family members who care for people with dementia need a wide range of support services to help them do the important work of care giving at home.

Description: As the topic of affordable long-term care (LTC) insurance comes into focus in political conversations, we often find ourselves thinking, “What is going to happen to the private LTC insurance industry going forward?” The need for LTC in the United States is not going away, especially as the population continues to age. With this in mind, this article explores three possible future paths for LTC insurance funding and the associated implications for the private LTC industry.

Description: Intro article for newsletter focused on group long-term care products.

Description: A study of disability experience examines cost burden and degree of disability, and how these measures vary across different subpopulations.

Description: This article discusses the ways reinsurers support ceding companies: 1. Sharing morbidity risk. 2. Sharing other risks such as return on investment. 3. Sharing of expertise such as providing underwriting advice. 4. Sharing financial resources. 5. Sharing the role of consumer protection.

Description: To help agents advise their clients on analyzing their LTCi rate increase options.

Description: Distribution’s Bird’s-Eye View of the Life Combo Marketplace

Description: The last decade or more has proven that premium rate increases are necessary to maintain the integrity of most blocks of LTCi policies. Along with those rate increases, carriers have offered and regulators have approved an evolving menu of rate increase mitigation options for policyholders that do not wish to pay the increased rate. Recently, carriers and regulators have become more and more innovative in the rate increase mitigation options that they have presented to regulators. This article will discuss both the common and creative options that carriers are offering their insureds in the event of rate increases, including policy buys out, adjustments to coverage levels, and enhanced non-forfeiture options.

Description: Company Considerations and Regulatory Perspective for Offering Reduced Benefit Options