Successful companies operating in mature industries that try to differentiate themselves by focusing on incremental innovation instead of game-changing, disruptive innovation will differentiate themselves right out of business.  Companies need to be consistently making bold moves, even at the very peak of their success. It is an essential skill for anyone in business, from a small start-up to a global corporation, with the desire to transform organizational processes and behaviors.  Join Luke to learn how to transform your business and answer the question, “Why hadn’t we ever thought about our business and industry this way before?”

Constellation A/B

Join us for a discussion of medical technology advancements pertaining to the diagnosis, classification and treatment of cancer. Learn how these advances will impact pricing, underwriting, policy language and claims adjudication for supplemental health products.

Constellation C

Combination products are one of the fastest growing trends in our industry today.  This session will examine common structures, benefits, value and risks associated with combining various forms of insurance including but not limited to supplemental health products, long term care and life insurance.

Constellation A/B

This interactive session will explore the medical nuances of CI benefits with forays into other supplemental health products.  We’ll discuss elements of the critical illness medical consultation with significant implications on how the product is marketed, how it’s priced, and how claims are paid.  Specific examples, polling and cases will be utilized – bring along your own medical questions!

Constellation F

Everyone is talking about it, but has anyone done anything differently as a result of predictive analytics? This session will review practical successes and challenges of using these techniques in the life and health insurance space.

Constellation D

This session will feature two experts that will provide their views on the future state of LTSS and the opportunities that exist to provide private financing solutions.  Ms. Stone will focus on how emerging technology and the expected strain on resources will shape the future of LTSS.  Ms. Malone will describe the demand that exists for viable financing solutions given today’s demographics, consumer attitudes, and economic environment.

Constellation E

The year 2017 is shaping up to be a tumultuous one in national health care policy, with the Trump administration and both houses of Congress undertaking legislative and regulatory steps toward the partial repeal and replacement of the Affordable Care Act.  What will potential changes in private health insurance and Medicaid mean for the nation, and for other aspects of the insurance market?  Amid these changes, what will be the future of payment and delivery system reforms aimed at improving health care and lowering the cost?   Susan Dentzer will address these issues and the implications for supplemental products.  

Constellation A/B

What are the latest product trends impacting the critical illness, hospital indemnity, and accident insurance industries? Come hear the results of three new product surveys, featuring a:

• Critical Illness survey from Gen Re
• Hospital Indemnity survey from Milliman
• Accident Insurance survey from RGA

Constellation A/B

Join us for a discussion of the supplemental health product and rate filing environment in the aftermath of the Affordable Care Act (ACA). This session will review challenges that ACA implementation has created for supplemental health products as well as some state-specific requirements. 

Constellation F

Enrollment technology platforms are commonly used to enroll workplace supplemental health products – What are the implications? This session will share multiple perspectives on this issue. First, LIMRA will share recent research on employer wants, needs, and preferences for enrollment technology. Then, a panel of experienced carrier and technology professionals will discuss the challenges associated with offering products on these platforms.

Constellation D

FASB has proposed changes to US GAAP reporting for long duration contracts. Everyone will be impacted, from Wall Street analysts to internal company management to investors. What are these changes and how will they impact your reported results?

Constellation C

One size doesn't fit all in LTC insurance. Learn about several new products that are now being developed to specifically address the needs of the middle-income market and retiree market.

Constellation E

A panel of product development experts will discuss how product development has evolved, new approaches and trends that are impacting product design today, and key considerations when bringing new and innovative ideas to market.    

Constellation A/B

An interactive look at some actual Critical Illness, Accident and Hospital Indemnity cases in the group market, specifically addressing issues related to plan design, industry, demographics and enrollment methods.

Constellation F

It has been more than five years since the Interstate Compact implemented standards for both DI and LTC products.  This session will provide an overview of the Compact, available products and what's in store for the future. This session will also include best practices and tips from the Compact and filers for filing through the Compact.

Constellation E

From both a company’s and policyholder’s perspective, we will describe and compare the pros and cons of Stand-alone Long-term Care Insurance, Asset-based Life/LTC combination products and Chronic Illness Accelerated Benefit Riders on Life Insurance.  As a 2017 update, we will explore the most recent information on trends in population dementia prevalence, interest rates and other environmental factors for their favorable impact on the long-term care or chronic illness risk.  Then, in round-robin format and across the three product types, industry experts will debate the size of the market opportunity, underwriting differences, policyholder value, company perspective on risk/profitability, actuarial/pricing assumptions and claim handling.

Constellation D

Wellness has become increasingly pervasive, with fitness trackers, changes in lifestyle, and nutrition improvements. How should insurance products account for wellness? Should individuals benefit from these activities? Does incenting wellness lower risk? Join us for a discussion of these questions and more!

Constellation C

 This session will explore various premium structures for supplemental health.

• What are the pros and cons of issue age, attained age, and composite rating structures?
• How do these integrate with enrollment systems, risk management, persistency, financial reporting, and commissions? 
• What are the advantages to the employee and the employer of each structure?

Constellation A/B

Learn more about underwriting and risk management for hospital indemnity products. Topics will include maximum benefit levels, contract provisions, varying underwriting by benefit level, when to guarantee issue, and other underwriting approaches. 

Constellation D

Join us for an intimate conversation with Chief Underwriters from three Disability carriers in the industry.  They’ll share some of their insights into the industry including innovation, the current and future impacts of technology on underwriting and the overall future of the industry and where we may be headed.  

Constellation F

Join us for a discussion among Regulators within the Long-Term Care industry. The session will extensively review recent topics of note including but not limited to asset adequacy analysis, rate increase consistency and combination products.

Constellation E

In this session, attendees will break into small groups to discuss current events, challenges, and opportunities in the supplemental health industry.

Constellation A/B

This session will discuss considerations when offering supplemental products alongside major medical and other core offerings. Explore opportunities for alignment and enhancing customer value.

Constellation D

Join two underwriters, one from the group side and the other individual, as they discuss key underwriting considerations for critical illness, hospital indemnity and accident insurance products.

Constellation E

Connect with your peers as we debate and discuss current events, challenges and opportunities in the DI marketplace.

Constellation C

LTCI is subject to mortality, lapse, incidence utilization, investment, and expense risks. This workshop will introduce several emerging concepts to mitigate some of these risks, including interest rate, inflation, and mortality hedging as well as approaches to managing inforce blocks of business. We will also discuss the challenges of turning these concepts into reality.

Constellation F

Data and Digital have been the major drivers of the analytics revolution for the last decade.  However, the new kid on the block, Behavioral Economics, is quickly becoming a major disruptor in many marketplaces and is just beginning to show up in select areas within the insurance marketplace.  In this session we will discuss Behavioral Economics, give concrete examples of its use in other sectors, and discuss potential applications within Supplemental Health and Protection.

Constellation A/B

What’s on the minds of medical directors within our industry? Join us for a panel discussion with medical directors from several prominent insurance carriers. They will share insights into recent trends, challenges they face, and what’s keeping them up at night.

Constellation A/B

Join this interactive session featuring thought provoking case studies exploring difficult situations.  Along the way, review the professionalism structure and requirements for US actuaries and receive structured professionalism credit as well.

Constellation E

In addition to providing information on current regulatory updates/considerations, this session will explore the potential impacts that changes in State and Federal regulations could have on supplemental health products, and how to navigate in an ever-changing environment.

Constellation A/B

Surveys have shown that buying insurance is second only to going to the dentist as one of people’s least favorite things to do.  How can the industry change this attitude?  This session will discuss the industry’s response to enhancing the customer experience using solutions that were not possible only a few short years ago.  (P.S.  And some that were.) 

Constellation F

Both company and consumer experience with LTC claims is increasing rapidly.  This session will explore various considerations for a claim fraud detection program from a legal, company and investigative perspective.  Topics will include:  how to determine your company's philosophy for a fraud detection program, how to create a program and how to execute this program.  This session will also explore legal considerations, litigation tactics and possible litigation outcomes.

Constellation D

Join this interactive session featuring thought provoking case studies exploring difficult situations.  Along the way, review the professionalism structure and requirements for US actuaries and receive structured professionalism credit as well.

Constellation E

How can we drive superior employee participation? This session will explore the impact of:
   - Pre-enrollment messaging
   - Enrollment meeting format (group vs. one-on-one)
   - Enrollment meeting timing (off cycle vs. with core benefits)
   - Enrollment meeting content

Constellation A/B

Disruption, technology, an aging workforce, and many other factors are changing the way we work today and in the future.  Join us to learn more about the factors that will change underwriting for disability insurance in the future.

Constellation F