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Aspirin, Not Morphine

Morphine 1

Interest rate movements (or lack thereof) can present problems for insurers that underwrite and sell long-term care insurance (LTCI), but only under particular circumstances. To understand these effects, it is essential to grasp how LTCI can be affected by inflation, how inflation relates to interest rates, and, finally, how insurers invest their LTCI assets. In this article, Bruce Stahl, ASA, MAAA,explores this issue. 

Posted with permission of the ©Society of Actuaries, Schaumburg, Illinois.

Download "Long Term Care"

The Author

  • Bruce Stahl
    Senior Vice President and Head
    U.S. Individual Life
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Download "Long Term Care"
  • interest rates
  • Long-Term Care
  • LTC
  • old-age mortality
  • older age mortality
  • senior market