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Meeting
Overview
LIMRA International, LOMA, and SOA have joined forces to bring you the
DI & LTC Insurers’ Forum, a unique opportunity for networking
and education — and the premier disability income and long term
care conference in North America.
This program is comprised of top notch speakers and nearly 30 sessions
to select from. Subjects include new product development, underwriting,
claims, sales and marketing, regulatory environment and much more.
Who should attend?
Executives responsible for and professionals interested in individual
DI & LTC products, sales, distribution, claims, underwriting and
administration.
2008 Program
Below
is a brief outline of the 2008 program. Be sure to check back
throughout the summer for more complete program details.
Wednesday, September 24, 2008
12:00–6:30 P.M.
Registration Open
2:00–3:15 P.M.
General Session
Larry A.
Thomas, Presiding, Chief Marketing Officer, Equitable Life & Casualty
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Market
Signals: What the Financial Markets Are Telling Us Now
Peter
Ricchiuti, Assistant Dean and Director of Research, A.B. Freeman
School of Business, Tulane University
“If
the majority of people were right, the majority of the people would
be rich…and they’re not!” Following the herd has rarely
produced superior long-term results. Peter Ricchiuti will share his
informative and entertaining perspective on financial markets, the
importance of proper diversification and the cyclical nature of both
stocks and investment sectors. He will also tell us about the
unusual securities research program he heads up with his students.
|
 |
| Peter
Ricchiuti is the finance professor you wish you’d had back in
college! After a successful career on Wall Street, he served for
five years as the assistant state treasurer and chief investment
officer for the State of Louisiana. At Tulane, Ricchiuti founded the
Burkenroad Reports investment research program. He and his program
have been featured in The
Wall Street Journal, The New York Times, and on CNN. |
3:15–3:30 P.M.
Refreshment Break with Exhibitors
3:30–5:00 P.M.
Concurrent Sessions
D1.1
America’s Top Trial Attorneys Debate Disability
Co-Moderator:
Leonard A. Harris, RHU, Assistant Vice President, IDI Product & Market
Development, Unum
Co-Moderator: Jeffrey A. Yeager, AHLC, FLMI, Vice President, Claims &
Client Services, Berkshire Life Insurance Company
Frank
N. Darras, Managing Partner, Shernoff Bidart Darras Echeverria, LLP
Royal
Oakes, Partner, Berger and Wolen, LLP
Here’s
a Vegas-style heavyweight event of our own! Frank Darras and Royal Oakes
take on the most heated and litigated DI topics of the season: genuine
dispute doctrines, bad faith, class actions, rescissions, unfair claim
themes, and more! Visit our Web sites (left) for complete background
information on these two outstanding trial attorneys!
This moderated forum will address the questions that are most
important to you. We want your questions! Please e-mail them to us at
DisabilityDebate@hotmail.com by August 23, 2008.
L1.1
LTC Product Evolution
Moderator:
Scott Whitehead, Product Manager, Life and LTC, Allianz Life Insurance
Company of North America
William
E. Jones, CLU, ChFC, LTCP, Vice President, Sales, MedAmerica Insurance
Company
Thomas
L. Long, Managing Principal, LTCI Partners, LLC
David
W. Simbro, FSA, MAAA, Vice President, Long Term Care, Northwestern Mutual
Life Insurance Company
Evolution
happens. What is on the LTC horizon? Look into the future for new ideas on
combo products, how to incorporate CI and DI with LTC, new compensation
ideas and much more.
L1.2
The Under Age 50 Market — The Golden Nugget or Circus Circus?
Moderator:
Winona Mae Berdine, HIA, MHP, LTCP, CLTC, HSA, Assistant Vice President,
Long Term Care, GE Employers Reassurance Corporation
Benjamin
M. Cohen, FSA, MAAA, Principal & Consulting Actuary, Wakely Actuarial
Services, Inc.
Stephen
F. Rowley, Vice President, Risk Management, Gen Re LifeHealth
David
Swaim, Director of Underwriting/Chief Underwriter, Transamerica Long Term
Care
Sales
to those under age 50 are growing. What will a 50 year-old today look
like, act like, and live like in 30 or 40 years? Is there anything that we
should be considering now to prepare us for the road ahead? Look beyond
the confines of current regulations and traditional thinking to determine
how today’s product design, pricing, underwriting, and claims handling
should be refined as we move into the future.
5:30–6:30 P.M.
Reception with Exhibitors
Thursday, September 25, 2008
7:00 A.M.–5:00 P.M.
Registration Open
7:30–8:30 A.M.
Continental Breakfast With Exhibitors
8:30–10:00 A.M.
Concurrent Sessions
D2.1
DI Beyond the Medical Market
Moderator:
Candy Bidler Hurley, FLMI, Second Vice President, DI Distribution
Individual Disability Insurance, Principal Financial Group, Inc.
Susan
LeBourdais, Director of Growth Market Segment, Berkshire Life Insurance
Company
Additional
Speaker, TBA
Hear
from producers and insurance carriers who have found success marketing DI
to clients who are not in the medical market. Learn how they prospect,
build the need with their clients and partner together to help build their
markets.
D2.2
DI Macroeconomics 101: Major General Trends
Moderator:
Andronico L. Castillo, FSA, MAAA, Vice President and Actuary, Munich
American Reassurance Company
John
Baumgardner, II, Supervisor, Insurance Services Group Compliance, The
Standard
Robert
W. Beal, FSA, MAAA, Principal & Consulting Actuary, Milliman, Inc.
Mark
Seliber, FSA, MAAA, Assistant Vice President and Actuary, MetLife
New
to Individual DI? Don’t miss this discussion of key economic trends,
medical factors, and legal and regulatory issues that affect IDI sales
growth and profitability. IDI veterans are welcome to contribute to the
discussion.
L2.1
National Partnership: Blackjack or Bust?
Moderator:
Melissa Goodfellow, Senior Training Coordinator, MetLife
Additional
Speakers, TBA
Partnership
is the new game in town. But is it worth stepping up to the table? What
are the roadblocks and
rewards? What do you do about states that change the rules mid-game? Will
the NAIC Producer Training requirement help or hurt sales? Hear from
different carriers representing three different positions. Find out if
Partnership will draw 21 or bust.
L2.2
LTC Underwriting Trends — Sure Thing or Long Shot?
Moderator:
Dan Crussell, FLMI, LTC & DI Underwriting Consultant, State Farm
Insurance
Stephen
K. Holland, M.D., Senior Vice President and Medical Director, Long Term
Care Group
Denise
Liston, RN, Vice President, Underwriting Products & Services,
LifePlans, Inc.
Technology
continues to advance at an increasing rate. How will these advances impact
LTC underwriting? Our panel of experts will provide an overview of new and
emerging medical technologies and their potential impact on Long Term Care
risk classification as well as processes that may result in better,
faster, more cost effective underwriting decisions.
10:00–10:30 A.M.
Refreshment Break with Exhibitors
10:30 A.M.–12:00 P.M.
Concurrent Sessions
D3.1
The Impact of Medical Advances: What Is on the Horizon?
Moderator:
Jeffrey A. Yeager, AHLC, FLMI, Vice President, Claims & Client
Services, Berkshire Life Insurance Company
John
Holbrook, M.D., Consulting Medical Director, Berkshire Life Insurance
Company
Robert
W. Lund, M.D., Vice President and Medical Director, Munich American
Reassurance Company
Our
panel of medical experts will review recent medical advances and their
impact on disability underwriting and claims experience. Subject areas
include:
- Long Term Survivors: Medical advances have
reduced mortality and increased morbidity.
- New Biomarkers: Comparing new technology with
more traditional underwriting approaches.
- Subjective Syndromes: Recent developments suggest
a change in classification from psychological to physical. Has
anything really changed?
- The electronic medical record: In the next 5 or
10 years, will we drown in data?
D3.2
What Have You Done for Me Lately? Improving Underwriting Service
Moderator:
Carl Amick, FSA, MAAA, Vice President of DI Product and Underwriting,
Northwestern Mutual
Gina
Birchall, J.D., CLU, Vice President, Underwriting, Berkshire Life
Insurance Company
Luci
LaPalme, Assistant Vice President, IDI Underwriting
West/Midwest/Southwest, Unum
Cheryl
Svehlek, Director—Administration, Disability Income Risk Management,
Northwestern Mutual
Learn
best practices that improve efficiency and exceed the expectations of
producers. Underwriting experts will discuss how they’ve improved their
service…from leveraging technology to improving staffing philosophies.
L3.1
Multilife — Full House: All In, Win or Lose?
Moderator: Amanda K. Lugg-Ramesy, LTC Product Manager, Mass Mutual
James
M. Glickman, FSA, CLU, MAAA, President and CEO, LifeCare Assurance Company
Is
the multilife market a sure thing? How much are carriers betting on this
marketplace? Our panel will discuss how they define multilife and the
challenges, opportunities and insights they’ve encountered.
L3.2
Data, Data, Data! — Get the Latest Experience Research
Moderator:
Missy Gordon, ASA, MAAA, Associate Actuary, Milliman, Inc.
Mark
A. Cohen, Ph.D., President, LifePlans, Inc.
Gary
L. Corliss, FSA, MAAA, RHU, CSA, President & CEO, Avon Long Term Care
Consultants, Inc.
Get
the latest on experience research and insights into the results of the
Intercompany Experience Study. Join us for a discussion of some
counterintuitive results, an update on SOA LTC section research, and
trends in incidence and length of stay.
12:00–1:15 P.M.
Networking Lunch with Exhibitors
1:15–2:15 P.M.
Concurrent Sessions
D4.1
Place Your Bet…on DI
Moderator: David Steinbrunner, DI Actuarial Associate, Union Central Life
Insurance Company
Bet
on your DI knowledge along with other session attendees as we debate and
discuss DI topics not covered elsewhere in the program. Topics include:
- Is DI Insurance a commodity? Would you bet
your disability on it?
- Competition in the DI market: Are we
“running up the pot” without the right cards?
- The physician market: Are there too many
doctors in the house?
- DI talent pool: Who will be left when the
Boomers are gone?
- DI in the 21st Century: Is the sky the limit?
L4.1
Group Long Term Care Is a Winning Hand!
Moderator:
Guy Bertsch, Vice President, VB & LTC Underwriting, Unum
Charles
F. Breen, CLU, RHU, Regional Sales Vice President, John Hancock Life
Insurance Company
Scott
Sawyer, LTC Chief Underwriter, Unum
Karen
L. Smyth, LTCP, CLTC, FLMI, ARC, AIAA, ACS, Product Director, ILTC, The
Prudential Insurance Company
Our
experts will outline the growth of the GLTC marketplace, explore
distribution channels, review products and discuss the profitability of
the Group marketplace. Also, we’ll review the voluntary market, the
employer funded market and the growth of executive care outs.
L4.2
The Eye in the Sky — Regulatory and Legislative Update
Moderator:
Cynthia Allen, CLTC, CSA, Regional Sales Manager, LTCI, Berkshire Life
Insurance Company
Gerard
M. Golden, Director of Government Relations, Nationwide
Eileen
J. Tell, MPH, Senior Vice President, Product Development and Analytic
Services, Long Term Care Group, Inc.
What
are some of today’s most interesting — and most politically sensitive
— legislative proposals? What impact might the upcoming presidential
election have on these proposals and on
the long term care insurance industry? What actions are being taken at the
federal and the state levels to further long term care awareness, and what
have the results been so far? Hear from
industry experts who have been on the front lines of recent programs,
proposals, and new developments.
L4.3
Jacks, Queens, Kings: Managing Royalty
Moderator:
Keith W. Burns, ASA, MAAA, Director and Actuary, Prudential Insurance
Company
Patricia
Prusha, FSA, MAAA, Valuation Actuary, Employers Reassurance Corporation
Darrell
Spell, FSA, MAAA, Consulting Actuary, Milliman, Inc. Mary Ann Wilkinson,
Vice President, Administration, Gen Re Life Health
Managing
older blocks of LTC business presents unique challenges. Hear how carriers
apply best practices to managing older blocks from a compliance, claims,
and valuation perspective. Are rate increases in your past, present, or
future?
2:15–2:45 P.M.
Refreshment Break with Exhibitors
2:45–3:45 P.M.
DI Concurrent
Sessions
D5.1
Regulatory Update: Will Speed to Market Be Achieved?
Moderator:
Leonard A. Harris, RHU, Assistant Vice President, IDI Product & Market
Development, Unum
Frances
Arricale, Executive Director, Interstate Insurance Product Regulation
Commission (IIPRC)
Now
that the Interstate Compact is in operation, will the industry achieve
speed to market? What are the possible roadblocks or complications that
may be encountered? This will be an interactive session with the Executive
Director of the Interstate Insurance Product Regulation Commission.
D5.2
“Do Sweat the Small Stuff!” Essential Disability Protection for the
Small Business Owner
Moderator:
Rick Mileham, Director, DI Distribution, Union Central Life Insurance
Company
Bart
Spencer, Disability Income Specialist, Horizon Financial & Insurance
Agency, Inc.
As
the small business market grows, the need for disability protection is
three-fold: individual DI, B.O.E, and buy/sell. Come learn how to sell
those products, how to place them, and how to make the small business
world your niche market.
2:45–4:30 P.M.
LTC Session
L5.1/L6.1
Was a Winning Hand Left on the Table?
Barry
D. Eagle, Vice President, Marketing, Gen Re LifeHealth
Jesse
R. Slome, CLU, ChFC, Executive Director, American Association for Long
Term Care Insurance
So
many ideas, too few slots. There are many topics that are important to our
industry, yet many do not make the final cut for full sessions. This year,
among those topics were:
- Different perceptions of the value of closed
blocks
- Lack of sales to Boomers
- Wellness and disease prevention, AKA pay-me-now
or pay-me-later
- Making it easy to pay: credit cards and the miles
they earn
- The real education of and reaching our consumers
- Options for aging in place
These
and other topics will be addressed in a rapid-fire, free-flowing session
led by two individuals with almost 50 years combined experience with LTC.
Learn more about topics of interest to you and your company and get your
specific questions answered.
3:45–4:00 P.M.
DI Refreshment Break
4:00–5:00 P.M.
DI Concurrent Sessions
D6.1
Betting on Technology? Make it a Sure Thing!
Moderator: James R. Huffman, FLMI, ACS, Assistant Vice President, LOMA
Steve P. Woods, Director, Individual Disability, MetLife
Kevin
Pledge, President and CEO, Insight Decision Solutions, Inc.
Come
hear representatives of companies that bet on technology — and won!
Learn how your organization can turn the bet on technology into a sure
thing.
D6.2
GSI: Is It Group or Is It Individual?
Moderator: Kenneth Latus, FSA, MAAA, Actuary, Northwestern Mutual
James
Poland, Regional Director, Western U.S., The Standard
Daniel
Skwire, FSA, MAAA, Consulting Actuary, Milliman, Inc.
Get
a better understanding of the differences and similarities between a group
policy and a GSI plan sold to an employer. Explore the potential impact of
group-specific laws and regulations and learn whether they apply to the
GSI market.
Friday, September 25
7:15–11:30 A.M.
Registration Open
7:15–8:00 A.M.
Continental Breakfast
8:00–8:45 A.M.
General Session
Mortality
and Longevity, a Demographer’s Perspective
S. Jay
Olshansky, Ph.D., School of Public Health, University of Illinois at
Chicago
Medical
advances are continuing, yet pathogens, environmental hazards and obesity
may prove a threat to improved life expectancies. What threats lie ahead
for our industry? Are there opportunities that emerge? Our general session
features nationally recognized demographer, Dr. S. Jay Olshansky, who will
present on mortality and longevity trends in the U.S. population as well
as their potential impacts on the insurance industry.
S.
Jay Olshansky is currently a Professor in the School of Public Health at
the University of Illinois at Chicago and a Research Associate at the
Center on Aging at the University of Chicago and at the London School of
Hygiene and Tropical Medicine. The focus of his research to date has been
on estimates of the upper limits to human longevity, exploring the health
and public policy implications associated with individual and population
aging and pursuit of the scientific means to slow aging in people.
8:45–9:15 A.M.
Refreshment Break and Drawing for Exhibitor Prizes
9:15–10:15 A.M.
Concurrent Sessions
D7.1
Single Life or GSI DI – Is It a Roll of the Dice?
Moderator:
Jay Lindsay, CPA, Assistant Vice President, Financial Consultants, Unum
Robert
W. Beal, FSA, MAAA, Principal & Consulting Actuary, Milliman, Inc.
Stanley
L. Compton, CLU, RHU, Principal, SLC Insurance Services, Inc.
Shannah
Compton, Principal, SLC Insurance Services, Inc.
Rosemary
Lano, AVP – Underwriting, Unum
Kyran
J. Quackenbush, Assistant Vice President, Health Risk Management,
MassMutual Financial Group
What
inherent risk management issues exist between single life and guaranteed
standard issue (GSI) individual DI business? Our panel will explore this
question from the perspectives of underwriting, actuarial and
sales/marketing.
L7.1
Stochastic Modeling and Principles– Based Reserves
Allen
J. Schmitz, FSA, MAAA, Consulting Actuary, Milliman, Inc.
John
Timmerberg, President, Timmerberg & Associates, Inc.
As actuarial pricing, reserving, and projection models become more
sophisticated, stochastic modeling can enhance the analyses. As principles
based reserving nears, stochastic models will play a critical role. This
session will include an update on principles based reserving for LTC, the
latest in approaches to stochastic modeling and a discussion of what
variables should be modeled stochastically.
L7.2
Cash LTC: Product of the Future or Unnecessary Gamble?
Moderator:
Roy A. Gosselin, CLU, ChFC, National Sales Director, Individual Long Term
Care, Prudential Insurance Company
Keith
Burns, ASA, MAAA, LTC Pricing Actuary, Prudential Insurance Company
Julie
Gelbwaks Gewirtz, CLTC, Vice President, Marketing, Gelbwaks Insurance
Services, Inc.
William
E. Jones, CLU, ChFC, LTCP, Vice President, Sales, MedAmerica Insurance
Company
Learn
the pros and cons of cash LTC. Hear views from the home office on
marketing and administration, from a producer on which clients are best
served by reimbursement or cash LTC and from an actuary on pricing
perspectives.
10:15–10:30 A.M.
Break
10:30–11:30 A.M.
Concurrent Sessions
D8.1
Packaging DI with Other Insurance Coverage
Moderator:
Andronico L. Castillo, FSA, MAAA, Vice President and Actuary, Munich
American Reassurance Company
Timothy
E. Hale, ASA, MAAA, Assistant Vice President, Munich American Reassurance
Company
Kenneth
J. Smith, CLU, Director of Critical Illness and Disability Income,
Assurity Life Insurance Company
DI
can have a wider appeal and broader availability through the innovative
packaging with life, critical illness, or long term care insurance. Come
hear how carriers have creatively packaged DIwith other insurance
products.
L8.1
Successful Distributors Tell How They Are Growing
Moderator:
William E. Jones, CLU, ChFC, LTCP, Vice President of Sales, MedAmerica
Insurance Company
Julie
Gelbwaks Gewirtz, CLTC, Vice President, Marketing, Gelbwaks Insurance
Services, Inc.
Kevin
Johnson, President, New York Long Term Care Brokers
Terry
Truesdell, President, National LTC Network
The
LTC industry is flat, but not for all. Hear first hand from three top
distributors on how they are growing sales. Specific topics will include
expanding sales through partnerships with financial planners and broker
dealers, growing career agents, effective marketing and training
techniques, and more. Also hear distribution’s view on what carriers
need to do to grow sales.
L8.2
Roulette Anyone? Claims Practices and Independent Caregivers (Fraud and
Abuse)
Moderator:
Lori Johnson, Director, Account Management,Long Term Care Group, Inc.
Judith
Bass, Senior Claims Analyst, Long-Term Care Insurance, State Farm
Insurance Company
Angela
Forsell, Director of Clinical and Technical Quality, Long Term Care Group,
Inc.
David
Vega, Director, Long Term Care, Conseco Services, LLC
Independent
providers offering services for LTCI claimants sometimes appear like the
spin of a roulette wheel in terms of quality, dependability and reporting
of services for reimbursements. Our panel will share recent experiences
and new ideas to mitigate risks associated with Independent Provider
services.
11:30 A.M.
Conference Adjourns
Meeting
Details
Outstanding
Venue!
Planet Hollywood Resort
& Casino
3667 Las Vegas Boulevard South
Las Vegas, NV 89109
Hotel Tel.: 702-785-5555
Hotel Fax: 702-785-5511
Reservations: 877-244-9474
Toll free: 702-785-9455
|
 |
| Make
your hotel reservations by August 28, 2008 and use the group code ACRITIC
or mention the event name, "2008 Critical Illness and DI &
LTC Insurers' Forum," to receive the low conference rate of
$179 per night, single/double. Reservations received after this date
will be accepted at the prevailing rate and on a
space-available-only basis. |
Registration
Information
Register by August
28,
2008:
LIMRA, LOMA, and SOA members: $975; Nonmembers: $1,385
Guest
fee: $75
Register after August
28, 2008:
LIMRA, LOMA, and SOA members: $1,075; Nonmembers: $1,485
Guest fee: $75
Spouses
and Guests: A registration fee of $75 is available to spouses and
guests of registered attendees. Individuals in an industry-related
position, co-workers, or associates do not qualify. We invite
spouses/guests to participate in the event's food and social functions and
ask that they wear their badge to these events. Participation in the
general sessions and workshops is limited to those who have paid the registration fee to attend the conference.
Bonus
Opportunity!
The
Critical
Illness Insurance Conference takes place September 22–24 at the same
site. Attend half a day on September 24 for just $275 (LIMRA, LOMA and SOA
Members), $375 nonmembers!
Attend
both the DI<C Insurers' Forum and the Critical Illness Insurance
Conference and save $250!
Thank
You to Our Sponsors and Exhibitors
 |
Fiserv
Insurance Solutions’ integrated framework touches every
process in the LTC and DI insurance value chain. Together, all
components provide end-to-end processing for everything from
application submission, to underwriting, to claims. Individually,
components can be integrated with legacy systems to enable companies
to assemble the solution that fits their needs.
|
|
|
For More Information:
LIMRA
Elaine Tumicki, CLU, ChFC, LLIF
www.limra.com
etumicki@limra.com
860-285-7749
LOMA
James R. Huffman, FLMI, ACS
www.loma.org
huffmanj@loma.org
770-984-6446
The
Society of Actuaries
Jay Semla
www.soa.org
jsemla@soa.org
847-706-3624
Exhibitor and Sponsor Opportunities
Are
Available
Contact:
LOMA
770-984-6407
insops@loma.org
LIMRA
860-285-7798
mjadams@limra.com
Refund Policy
All cancellations and refund requests must
be received in writing. These requests carry a $75.00 U.S. administrative
charge. Full refunds minus the administrative fee will be granted on
written requests received no later than three business days before the meeting
start date. No refunds will be granted if the request is received within
three business days of the meeting. If for any reason a meeting is cancelled,
LOMA will refund the total registration fee. However, LOMA will not be
responsible for any travel, hotel accommodations or other costs incurred.
Related products
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