PAVING THE PATH TO LONG TERM SUCCESS: People are living longer than ever and their insurance needs are changing. L&E’s long history of charting new markets offers our clients a powerful advantage for exploring the emerging long-term care industry. You may have already discovered the benefits of helping people plan early to insure against the risk of long-term needs. Whether you are a provider, an employer, an insurer or a regulator, you can benefit from our expertise. Now let L&E actuaries help you maximize your results and improve your bottom line. The seasoned judgment of our highly trained actuaries is matched only by their relentless commitment to staying on top of the LTC industry’s latest developments.
COMPLETE PRODUCT DEVELOPMENT - ACTUARIAL PROFILE: Whether it is for an individual or a group, L&E has extensive experience developing and modifying LTCI products. Your marketing goals, profit objectives and existing resources are all part of the equation as we configure products specifically in the best interest of you, your agents, and your customers. And don’t worry about the challenge of state insurance department filings because strict regulatory compliance is an L&E specialty. Here are some others:
- Reinsurance Program Design including arrangements with reputable third party administrators
- Solution Development for troubled blocks of business through claims pattern analysis
- Preparation of Rate Increase Requests for filing with state insurance departments
PRECISE ACTUARIAL VALUATION: L&E actuaries are a leading provider of services to support your actuarial valuation needs. Our clients rely on us for the design, development and implementation of claim reserve systems, and policy reserve systems for statutory, GAAP and tax reporting. Other areas of expertise include:
- Actuarial Opinions for Insurance Annual Statements
- Asset Adequacy Analysis
- Valuation of companies and blocks of business for sale, acquisition or reinsurance
FORWARD THINKING: L&E’s forecast and experience reports are essential tools as you forge the future of your long-term care endeavors. Build your strategic management decisions utilizing our user-friendly model office projections and cash flow testing. Our earnings projections will let you evaluate a single product, block of business or entire company with confidence. Successful long-term care programs are well within your reach when L&E assists you with claims, lapse and other experience studies.
YOUR BEST CHOICE: The L&E actuaries will provide you with a blend of technical expertise, innovative methods and practical judgment. We pride ourselves in being excellent communicators especially when it comes to explaining complex actuarial issues to non-technical people. At L&E, our actuaries care about your success as much as you do. | 
