Join us for this important exercise – Utilizing a 5-10 year horizon, we will identify the top trends in medicine which are predicted to have a transformative impact on our industry.  Each trend will be viewed through the lens of separating promise from reality and exploring how each trend might impact the broader life and health insurance industry.

Increase your overall knowledge of how the supplemental health industry is trending with an informative session hosted by Eastbridge and GenRe on Accident & Critical Illness Insurance. During this event, Eastbridge and GenRe will report out on their 2018 market survey results. Eastbridge will present on trends specific to Accident and GenRe will present on trends specific to Critical Illness. Be prepared to leave this event with a better understanding of current and future state insight from carriers that are actively marketing these products, including those companies exploring it as a new product offering as well.

Customer centered solutions are the foundation of this session.  Empathy for your customers and surfacing insights to create products and services that they want and need is the heart of design thinking. During this highly interactive session, participants will be introduced to the basics of design thinking and apply learnings within small groups focusing on supplemental health products. This session is limited to the first 40 registrants.

In this interactive group buzz session, hear from experts in current consumer attitudes about financial services, insurance and LTC. Brainstorm on potential solutions in a buzz group format.

This session will feature an historical overview of the DI cycles of the past – from expansion to contraction, from profitable to unprofitable.  What makes this product line so susceptible to these trends?  And as an industry, are we heading in the right direction or repeating the mistakes of the past?

Gordon Viggiano was a successful entrepreneur and businessman with a loving spouse and two beautiful children. He worked hard, saved for the future, and took good care of himself and his family. On his 51st birthday Gordon suffered a massive stroke that nearly killed him. With no warning signs or risk factors, this life changing event set him on a course he never could have predicted or imagined. He will recount his journey of recovery and bring inspiration to all of us as we face dramatic challenges in our lives. Having Disability Insurance has been a significant factor in Gordon’s recovery story. Gordon’s wife Jill, a self-proclaimed “Disability Insurance Evangelist” will also speak, telling their insurance story and explaining the enormous impact disability coverage has had on recovery, their kids, and their life today.

New to Supplemental Health Benefits? Then this is the session for you. We’ll get you started on the right foot with an overview of the basics you need to know about Critical Illness, Accident and Hospital Indemnity Insurance.

Join this interactive workshop to discuss the process and challenges that carriers face around take-overs. You will have the opportunity to hear your peers talk about product design, regulatory provisions, pricing and commissions. Be prepared to walk away with a better understanding of what carriers are doing for Supplemental Health when it comes to take-overs. 

This session will introduce accelerated benefit riders on life insurance.  These combination products are one of the fastest growing segments of the insurance industry.  We will cover three rider types, three rider structures and rider features.  We will include how these riders function on the various base life product types.  We will discuss underwriting and claims management, including a comparison with traditional LTCI. 

This session will explore the evolution of care delivery and the growing support surrounding aging in place. It will provide an overview of some of the latest changes that are being seen in the industry, and focus on  “disruption” and how “innovative” business models in the care delivery system have the power to change the business performance curve and reshape the market, while allowing seniors to age in place; specifically the adoption of machine learning that is an automated method that applies complex mathematical calculations to large data sets to identify patterns and correlations to assist in decision making.  Machine learning holds the promise to assist actuaries and underwriters to more accurately and more efficiently assess policy risk and set premium price.

Many consumers feel that they do not need disability insurance coverage, despite being ill-prepared for the financial consequences of a disability. How well do people understand this product and the likelihood of needing it? How would they approach paying living expenses if they became disabled? In this session, hear the results of recent LIMRA research that explored these issues. Then, break into groups to discuss possible solutions to the question, “How can we improve consumers’ understanding?”

The Affordable Care Act continues to be a factor in the Supplemental Health Insurance space. Join us for a discussion of how employer options are changing, how to plan as a carrier for the unknown, and how to shift appropriately when modifications occur. This session will discuss how to be proactive rather than reactive when navigating through the legislative changes that may arise.

Join us for an interactive look at some actual critical illness, accident and hospital indemnity cases in the group market.

Insurers are providing more and more options for policyholders to reduce/change benefits in lieu of rate increases. This session will explore these options from an actuarial perspective. The new actuarial guideline calls for more transparency. How will benefit options factor in this documentation? Rate increases will continue for years to come so communication with all of the stakeholders including regulators, policyholders, shareholders, etc will be critical.

Join us to review some DI claims stories and then venture back to the original underwriting. We will apply critical thinking to develop a current perspective. We encourage all participants to join in the conversation.

There is a great buzz today about InsureTech.  Most insurance companies state that they are or want to be innovative.  However, it can sometimes be challenging to find real examples of innovations especially those that can be applied to living benefit products.  In this session, our presenters will delve deeper into these topics to give us examples of innovations that already are occurring or have a great deal of potential in being applied to issuance or ongoing management of living benefit products.

Supplemental health carriers are often told by their producers that all their competitors do (or don’t) do something.  Carriers will submit topics in advance and the audience will vote to describe as "very, very hugely true", an "alternative truth" or "fake news".

Come hear this panel made up of product/actuarial design and sales leaders discuss pros and cons of combining hospital indemnity, critical illness and accident products.  The panel will discuss packaging in general, filing as one product and marketing bundles.

Seven in 10 consumers feel that most people need long-term care insurance, yet individual long-term care insurance sales are deteriorating. However, sales of individual combination products have grown in recent years. Could they be the answer? This session will uncover the current and future environment for combination products, and explore product features currently available. Could some new thinking address an old problem? Our findings are based on a recently completed study conducted jointly by LIMRA and EY.

This session will explore recent claim litigation and rate increase litigation cases related to LTC.  Legal experts will describe key aspects and outcomes and most importantly, lessons learned.

As buying behaviors change, see the different responses occurring in the industry.

The audience will hear true life stories from a cancer survivor and how critical illness products would have helped during financial hardship.

As cost sharing for medical insurance increases, there is a growing trend to seek additional coverage through supplemental health policies. Conceptually, this makes sense, but how well has it worked in practice? This session will explore the application of combining medical and supplement health products – the decisions to be made and the challenges to be overcome – from both an actuarial and sales perspective. The latest market activity and modeling techniques will also be discussed.

The speakers will provide an overview of Short Term Care, including design, pricing, and regulatory issues, give an overview of how it compares to Long Term Care from an underwriting perspective, and discuss the issues a company might consider if looking to enter the Short Term Care market today.

With Accelerated Underwriting, the “future is now” as companies and systems apply and analyze predictive analytics, real time medical data and other new forms of evidence to underwrite and potentially issue policies more quickly and perhaps at a lesser cost.  How does it work?  How can advancements in other insurance lines be applied to LTCI and Combo products underwriting?  Join this session to learn more about this cutting-edge underwriting process from Reinsurers and service providers.

Don't get caught driving in the dark without your lights on. Connect with your peers and industry experts as we shed light on issues impacting the disability income industry, so you can avoid any unexpected bumps in the road.

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

Join this session and conversation to understand how technology can drive an efficient and compelling point of sale with the employer to an online enrollment experience with employees. Discover how quote-to-enrollment integrations can help us cross the bridge from a paper to digital enrollment experience.

This session will present several examples of recent fraud cases.  Investigators will describe how the case was first identified as suspicious, what investigative steps were performed, the key findings and the resulting actions taken.

Please attend this open forum to discuss what’s trending in IDI underwriting.  Bring your hot topic. Share your experience and learn from one another in this fully interactive session.

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

Artificial intelligence and robotic process automation continue to proliferate and bring about transformation in nearly every industry and aspect of society. The insurance industry is no exception. Our presenters will help attendees understand the roles of artificial intelligence and robotic process automation in the insurance industry with examples of how these capabilities are being deployed and integrated into insurance companies’ product development, distribution, customer engagement and operations as part of their enterprise-wide technology strategy.

Join our session to learn about current trends and regulatory updates in supplemental health benefits, as well as a discussion with our panelists regarding the evolving regulatory environment and the potential impact on supplemental health products.

LTC insurance in the US is at a stage of production decline. This workshop provides a comparison of the LTC insurance risk factors in a number of European and Asian countries relative to lessons learned in the U.S. The audience will gain an appreciation of the private LTC insurance marketplaces, product risks and future prospects across the globe.

With the rapid advancement of technology, Automation and Robotics are more than just hot topics, they are real actionable items for many industries today and will quickly become part of our day-to-day lives.  Specific to the insurance industry, we are seeing more and more companies trying to automate their operations.   In this session, the presenters will discuss case studies of companies that have gone through operational automation processes.  This session will help DI and LTC carriers think through how Automation and Robotics can be applied to their operations learning from others’ experiences.

Learn about topics, trends and issues within the GSI marketplace for DI. How is distribution changing? Marketplaces? Demographics? How much risk is too much and what limits are no longer relevant? Trends for the future? Competition?

How can the industry address the 30 percent denial rate for CI Claims? What are the challenges in understanding from a policy holder perspective and how can these be addressed in the policy language and claims submission process?

Take a look at a Gen Re study that focuses on application accuracy and employee engagement for worksite products. Learn how to shape applications to get the results you want.

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