Professionals responsible for actuarial/product development, underwriting, claims, regulation/product filing and/or administration of the following products (through either worksite or retail channels):
accident insurance
critical illness insurance
hospital indemnity plans
individual disability insurance
long-term care/combo products
Highlights
The Supplemental Health, DI & LTC Conference provides a unique opportunity to consider a cross-functional view of supplemental health products, including accident insurance, critical illness, hospital indemnity, as well as individual disability insurance and long-term care/combo products.
The products covered at this conference have been on a variety of trajectories in recent years. Whether your goal is maintaining momentum in growing product lines, or reinvigorating growth in product lines that have faltered, at this event you can connect with peers who share your challenges.
With a variety of sessions on pricing/product design, filing, underwriting, claims and more, as well as separate tracks for each product, attendees can choose to explore one product from end-to-end or consider one function across multiple products.
Hosted by LIMRA, LOMA, and the Society of Actuaries, this event provides the opportunity to network, share ideas and experiences, and learn from experts within the supplemental health, individual disability and long-term care industries.
Senior Vice President and Head of Underwriting, U.S. Mortality Markets, RGA Reinsurance Company
Dr. Dave Rengachary is Senior Vice President and Head of Underwriting for U.S. Mortality Markets at RGA Reinsurance Company, where he has served instrumental roles in setting the risk philosophy for the department, oversight of US Manual development, leadership roles across numerous USMM underwriting initiatives and regulatory engagements. He previously served as Chief Medical Director for RGA. Prior to joining RGA in 2013, he was a general neurologist in practice at Missouri Baptist Medical Center where he also served as medical director for their Primary Stroke Center. In 2021 Dr. Rengachary accepted a position as chair of ACLI’s Risk Classification Committee. Prior industry roles include President of the Midwestern Medical Directors Association; Deputy Director of the Longer Life Foundation; Medical Consultant for the Academy of Life Underwriting; and member of the Educational Committee of the American Academy of Insurance Medicine.
Principal, Automation, Health Plan Consulting, NTT DATA Services
Deana is a health plan operations, compliance and IT geek – she lives for this stuff! In her current role as Health Plan Solutions Lead in NTT DATA Healthcare and Life Sciences group, she designs innovative solutions for automation, business process outsourcing and technology implementation. Prior to NTT DATA (formerly Dell Services), Deana served as Medicare Solutions and Compliance Director at ikaSystems and worked in both compliance and operations at UPMC Health Plan.
We were a typical family: we lived trying to do things right — working hard, providing for the family, following Christian values. On Gordon’s 51st birthday, out of nowhere, a terrible thing happened: he suffered a massive stroke! One might say we were dealt a dirty card, but we see it differently. The experience has been a true test of faith and perseverance. Our journey of recovery is still in progress. Gordon is now 10 years post-stroke and we are happy to report that he is getting better all the time. We will discuss this life changing experience and the lessons that have come along with it. Our hope is to inspire people and help them see that good things can happen, even when one doesn’t think it is possible. Gordon is certainly not fully recovered from his stroke so this isn’t an “I did it and you can too” speech. I am in the middle of my recovery and so my perspective is from “the trenches.” I am now the disability guru; a true stroke to success story!
Jill Viggiano spent 19 years working in commercial real estate before retiring to become a full time mom. An active volunteer, Jill couldn’t help but raise her hand and take on leadership roles in the community. The opportunity to form and advance philanthropic organizations and their causes kept her engaged in both local and national efforts. Jill’s style is to create a team environment where cooperation and accomplishment happen while having fun. When her husband survived a massive stroke in 2008, Jill focused her skills on his recovery. She now assists him in his day-to-day needs as well as in his speaking career. Jill wrote Painful Blessing, a book about her spouse and caregiver experience, shedding light on the real life impact of acquired brain injury, and providing hope and encouragement to those facing significant challenges.
Data & Intelligence Practice Lead, Health Plan Consulting, NTT DATA Services
Karen has extensive experience in the health care market, from both a business operations and information technology perspective. She has built and led successful, effective teams that deliver best in class solutions to improve client satisfaction, organizational cost savings and workplace productivity. Her experience includes Advanced Analytics, Total Population Health and Disease Management. In addition, Karen has experience in the public sector regarding Medicare and Medicaid programs, including policy development and compliance.
As part of the Health Plan Innovation and Consulting team at NTT DATA, Karen is responsible for working with and supporting clients with ongoing health care reform activities so that they remain competitive in the evolving marketplace. While primarily a subject matter expert (SME) for BI and Analytics, Karen is also well versed in quality improvement initiatives (e.g., STARS, HEDIS), care management and Total Population Health. Her goal is to utilize her knowledge of the healthcare and IT/data management industries to leverage improvement in the member/patient experience and increase the value of current and future client offerings.
Senior Vice President and Head of Underwriting, U.S. Mortality Markets, RGA Reinsurance Company
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.
Erin Marino, Senior Director, Research and Marketing, Eastbridge Consulting Group Stephen Rowley, Vice President and Senior Account Executive, GenRe Moderator: Joseph Refano, Accident and Health Product Director, MetLife
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.
James Wieselman Schulman, Senior Design Consultant, Innovation COE, Cigna Facilitators: Julie Pohjola, Senior Product Manager, Group Supplemental Solutions, Cigna; Stephanie Turgeon, Manager, Group Project Development, Aflac; Susan Wagner, Assistant Vice President Worksite and Institutional Insurance Innovation and Pricing, MassMutual
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.
Abigail Bisi, Innovation Strategist, Maddock Douglas Brian Ulery, FSA, MAAA, Principal Consulting Actuary, LTCG Luisa Uriarte, Executive Vice President and Managing Partner, Maddock Douglas
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.
Kathleen Coughlin, Chief Underwriter, U.S. Insurance Operations, DI New Business, MassMutual Steve Stribling, FSA, MAAA, Vice President, Product Development, Northwestern Mutual Moderator: Peter Braun, FSA, MAAA, Actuary, Northwestern Mutual
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.
Bill Bade, FSA, MAAA, Consulting Actuary, Milliman Stephen Rowley, Vice President and Senior Account Executive, Gen Re
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.
Joseph Refano, Accident and Health Product Director, Group Benefits, MetLife Stephanie Turgeon, Manager, Group Product Development, Aflac
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.
Matt Capell, Senior Vice President, Provider Solutions, LTCG Grace Nogueira, Senior Vice President, Claims, LTCG Eric Widen, CEO and Co-founder of HBI Solutions, Inc.
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.
Kimberly Landry, Assistant Research Director, Workplace Benefits Research, LIMRA Moderator: Richard Dixon, Assistant Vice President, Underwriting Service, Munich Re
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.
Ralph Donato, Senior Consultant, LTCG Nick Sheahon, Actuary, Genworth
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.
Jody Elmore, HIA, DHP, LTCP, HCAFA, Senior LB Risk Management Consultant, Munich Re Karen Rugg, Second Vice President, Disability Underwriting, Berkshire Life Moderator: Richard Dixon, Assistant Vice President, Underwriting Services, Munich Re
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.
Jim Filmore, FSA, MAAA, Vice President and Actuary, Munich Re Steve Woods, Vice President, Senior Account Executive Group and Specialty Reinsurance, Gen Re Moderator: Stephen Boyd, ASA, MAAA, Actuarial Associate, Mutual of Omaha
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.
Stephen Rowley, Vice President and Senior Account Executive, Gen Re Moderator: Ashlee Borcan, FSA, MAAA, Principal and consulting Actuary, Milliman
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".
Jennifer Howard, FSA, MAAA, Consulting Actuary, Milliman Richard Kendrick, Sales Manager, Aflac Moderator: Richard Schaefer, FSA, MAAA, Chief Actuary, Allstate Benefits
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.
Linda Chow, FSA, MAAA, Senior Manager, Insurance and Actuarial Advisory Services, EY Elaine Tumicki, Corporate Vice President, Insurance Research - Product, LIMRA
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.
Josh Akbar, General Counsel, Long Term Care, Genworth Jeremy F. Heinnickel, Associate, Saul Ewing Arnstein & Lehr LLP Sandra Jones, Associate, Drinker Biddle & Reath Moderator: Aaron Ball, FSA, MAAA, Vice President and LTC Business Leader, New York Life
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.
Bryan Burke, Head of Worksite Products and Marketing, Sun Life Financial Ashley Flynn, APRN (Nurse Practitioner), Pediatric Oncology Kamran Malik, Consulting Actuary, Wakely Actuarial
The audience will hear true life stories from a cancer survivor and how critical illness products would have helped during financial hardship.
Greg Fann, FSA, FCA, MAAA, Senior Consulting Actuary, Axene Health Partners Dustin Tindall, FSA, MAAA, Consulting Actuary, Axene Health Partners Denny Weinberg, Chief Executive Officer, Hixme Insurance Solutions, Inc. Moderator: Jack Norby, FSA, MAAA, Director and Actuary, Trustmark Voluntary Benefit Solutions
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.
Gail Mitchell, Vice President, Underwriting, Bankers Life Lindsey Murray, Director, Actuarial Individual Products, National General Insurance Sanja Zehnder, Managing Actuary, Bankers Life
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.
Paul O'Keefe, Vice President, AURA Business Development, RGA Michael Reeves, Vice President, Partnership Solutions, Hannover Re Stacy Steuart, Strategic Product Owner, Data Products, ExamOne Moderator: Winona Berdine, Vice President, Business Development U.S. Individual Health, RGA
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.
David Steinbrunner, ASA, MAAA, Assistant Actuary and GSI Underwwriter, Product Development - Disability Income, Ameritas
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.
Moderators: Ashlee Borcan, FSA, MAAA, Principal and Consulting Actuary, Milliman; Steve Keck, Senior Vice President and Chief Actuary, Life Insurance Company of Alabama; Richard Schaefer, FSA, MAAA, Chief Actuary, Allstate Benefits, Susan Wagner, Assistant Vice President, Worksite & Institutional Insurance Innovation and Pricing, MassMutual; Joe Wurzburger, FSA, MAAA, Staff Fellow, Health, Society of Actuaries
In this session, attendees will break into small groups to discuss current events, challenges, and opportunities in the supplemental health industry.
Garrett Viggers, Co-founder, Senior Enterprise Sales & Strategy Executive, Limelight Health Moderator: Michelle Haines, ASA, MAAA, Associate Actuary, U.S. Group Reinsurance, RGA Reinsurance Company
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.
Paul Marquez, Manager, Diligence International Group, LLC Eva V. Portillo, Director, Business Development & Account Management, Archangel Investigations & Protection, Inc. Moderator: Valerie Besserman, CVP, Claims, New York Life
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.
Moderators: Karen Rugg, Second Vice President, Disability Underwriting, Berkshire Life; Kathleen Coughlin, Chief DI Underwriter, MassMutual
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.
Ashlee Borcan, FSA, MAAA, Principal and Consulting Actuary, Milliman David Steinbrunner, ASA, MAAA, Assistant Actuary and GSI Underwriter, Product Development, Disability Income, Ameritas Moderator: Joe Wurzburger, FSA, MAAA, Staff Fellow, Health, Society of Actuaries
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.
Principal, Automation, Health Plan Consulting, NTT DATA Services
Karen Way
Data & Intelligence Practice Lead, Health Plan Consulting, NTT DATA Services
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.
Etienne Dupourque, Consultant Robert Yee, FSA, MAAA, Director, PriceWaterhouseCoopers Moderator: Winona Berdine, Vice President, Business Development, U.S. Individual Health, RGA
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.
Daryl Lepak, Manager, EY Raju Saxena, Senior Manager, EY
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.
Derek Coburn, FSA, MAAA, Director, IDI Finance, Unum Moderator: David Steinbrunner, ASA, MAAA, Assistant Actuary and GSI Underwwriter, Product Development - Disability Income, Ameritas
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?
Bill Bade, Consulting Actuary, Milliman Shelly LaBarre, Team Lead, Group Insurance, Securian Life Kevin Olberding, Assistant Vice President and Actuary, Unum Moderator: Kristen Willey, GBDS, Senior Distribution Sales Consultant, Special Products, Workplace Solutions, Mutual of Omaha
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?
Keith Brown, CLU, ChFC, FALU, FLMI, RHU, Vice President, Chief Underwriter, Gen Re Moderator: Kathleen Coughlin, Chief Underwriter, U.S. Insurance Operations, DI New Business, MassMutual
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.
Ashlee Borcan, FSA, MAAA, Principal and Consulting Actuary, Milliman David Steinbrunner, ASA, MAAA, Assistant Actuary and GSI Underwriter, Product Development, Disability Income, Ameritas Moderator: Joe Wurzburger, FSA, MAAA, Staff Fellow, Health, Society of Actuaries
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.
11:45 a.m.
Adjourn
Registration
Register by July 16 and save!
Early Registration Rates LIMRA, LOMA, and SOA Members: $1,250 Non-member: $1,875
Standard Rates (After 7/16/18) LIMRA, LOMA, SOA Members: $1,450 Non-member $2,075
If three (3) or more individual employees from the same member company register for this meeting, each individual registrant may take advantage of a group registration discount of $100. Individuals using this registration option must register for the full member conference registration fee. (Note: Presenter registrations and individuals utilizing any other discounts do not qualify towards the required three registrant per company minimum.) Please note that if a registrant's member company does not ultimately meet the aforementioned eligibility criteria (e.g., there are fewer than three registrants from a member company who paid the qualifying full conference fee), registrants will receive a notice of any balance due based on the difference between the regular applicable rate and the group discounted rate.
Cancellation Policy
All cancellations and refund requests must be received in writing. These requests carry a $100.00 U.S. administrative charge. Full refunds minus the administrative fee will be granted on written requests received no later than ten business days before the meeting. No refunds will be granted if the request is received within ten business days of the meeting. If for any reason a meeting is cancelled, the Conference Organizers will refund the total registration fee. However, the Conference Organizers will not be responsible for any travel, hotel accommodations or other costs incurred. Cancellation requests should be submitted to meetings@loma.org.
Hotel / Venue
San Diego Marriott Mission Valley
8757 Rio San Diego Drive San Diego, CA, USA, 92108
If you receive any unsolicited or suspicious email or phone call about a hotel booking in conjunction with this meeting, our advice is not to click on it, but delete the email immediately. In the case of a phone call, never give out your credit card information. Our designated conference hotels will never call you unless you contact them first.
Reservations Phone: 800-228-9290
Make your reservations by July 16, 2018 to receive the group rate of $199 single/double (plus applicable sales taxes). Requests after July 16 will be accepted based on space availability. The group guest room rate will be offered 3 days prior and 3 days after the meeting dates subject to availability.
Please note that hotel rates will go up after the cut-off date or when the meeting room block sells out, whichever comes first. Make your reservations early to be able to take advantage of our discounted rates.
The new Supplemental Health & Protection Conference
provides a unique opportunity to consider a cross-functional view of
supplemental health products, including accident insurance, critical illness,
hospital indemnity, as well as individual disability insurance and long-termcare/combo products
Sponsorship Opportunities - Raise your level of branding with
this audience by securing a Sponsorship. Benefits include:
Multiple
conference registrations, which include full access to attendees at breaks
and meals
Special
recognition in the registration brochure, conference mobile app, onsite
signs, and general session walk-in slides
Acknowledgement
from the podium
Your
company's marketing collateral prominently displayed for attendees
Specialty
conference merchandise that will deliver your company name to all
attendees
EXHIBIT PACKAGE $4000 (add $500 after July 6, 2018)
Each exhibiting organization will
receive:
Two
full-conference registration. Additional
attendees pay the low member rate of just $1,250
6-foot
skirted table
Electrical
outlet
One-time
use of the registrant/attendee list (includes email addresses for
attendees who opt to share them)—Your choice; either 3 weeks before the
event or 3 weeks after.
Listing
in the on-site conference mobile app
Listing
on the LIMRA and LOMA Event web pages of your logo, description and
website
