Description: Understanding the Evolving Financial and Actuarial Challenges of Long-Term Services and Support (LTSS) Xinyi (Cindy) Hu, ASA, MAAA

Description: The use of international reinsurance, often referred to as offshore reinsurance, has significantly increased over the last few years. While initiated largely by private equity players, the use of international reinsurance has since been driven by insurers and reinsurers (“(re)insurers”) seeking a combination of pricing competitiveness and alignment of reserving and capital frameworks to internal business management and risk practices. U.S. insurance companies are increasingly looking to international jurisdictions to find reinsurance solutions that will improve their competitive advantage, provide policyholder protection and align to how they manage the business (e.g., managing the business on an economic basis). International reinsurance, if managed properly, is one of the tools that can help the insurance industry address the protection gap.

Description: This article explores strategies for optimizing actuarial models built on open system platforms. It begins by contrasting open and closed system modeling environments, emphasizing that users of open systems must take responsibility for in-house runtime optimization. The authors underscore the critical role that efficient, well-optimized models play in supporting a high-performing modeling team. To reinforce the techniques discussed, the article includes a case study focused on disability insurance modeling to offer practical insights.

Description: An article about the 2026 Emerging Risk Survey. for the SOA India newsletter

Description: This essay collection explores actuarial, financial, and demographic challenges surrounding long-term services and supports in the United States.