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Mortality: A quest for the ultimate
By Missy Gordon, Shawn Stender | 01 August 2016
This article provides insight into the elusive ultimate mortality level by developing an assumption using a combination of modeling techniques.
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Long-term care first principles modeling: Mortality assumptions
By Allen J. Schmitz, Andrew H. Dalton, Daniel A. Nitz, David Weizeorick | 27 June 2016
This article examines the development of mortality assumptions for use in a long-term care first principles model.
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Landing spots: Offsetting premium increases through changes to inflation protection
By John Hebig, Mike A. Bergerson | 14 March 2016
Insurers are increasingly using inflation protection landing spots as they look to balance premiums and costs.
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Benefit reductions to offset LTC premium increases: Evaluating options
By John Hebig, Mike A. Bergerson | 14 March 2016
Rate increases in the long-term care insurance market are continuing, and there are several possible benefit reduction options that insures can—and in some cases must—make available to policyholders.
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Mechanics and basics of long-term care rate increases
By Missy Gordon, Stephanie Moench | 14 March 2016
This article covers the mechanics of issue age rating and pre-funding to clarify some of the common misconceptions about long-term care rate increases.
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Conducting a long-term care experience study: Traps and pitfalls
By Matt Winegar, Mike A. Bergerson | 14 March 2016
In long-term care insurance, there are a number of issues to consider when reviewing experience and setting projection assumptions for the future.
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Case study: Long-term care insurance first principles modeling
By Allen J. Schmitz, Andrew H. Dalton, Daniel A. Nitz, David Weizeorick | 09 March 2016
An introduction to a series addressing the challenges and opportunities faced by long-term care insurance companies converting from legacy projection models to a “first principles” modeling approach.
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The IIPRC and product filing submissions: Three examples
By Karen Z. Schutter, Robert Eaton | 01 December 2015
This article explores the uniform standards for three asset-based insurance products and discusses trends and potential changes that are coming.
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The cost of waiting: Predicting long-term care rate increases
By Dawn E. Helwig | 21 November 2014
Setbacks in the private long-term care (LTC) industry have led many insurers to discontinue new sales or to raise rates on existing business. This Contingencies article argues that regulatory action is needed now.
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The actuarial argument for gender-distinct LTC rates
By Dawn E. Helwig | 01 April 2014
There is clear actuarial justification and rationale for separate rates for males and females in long-term care insurance.
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Quantification of the natural hedge characteristics of combination life or annuity products linked to long-term care insurance
By Linda Chow, Carl A. Friedrich, Dawn E. Helwig | 19 March 2012
Design and pricing considerations for combination products that link life insurance annuities with long-term care insurance.
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LTC
Articles about long-term care insurance, covering topics like modeling, valuation, cost, trends, and recent developments