2026 Session Details

This session will provide an overview of ALM concepts, including the principals of duration matching and cash flow analysis. We will also examine interest rate risk mitigation strategies including immunization, scenario analysis, hedging, and market transactions.

Panelists share recent hands-on experiences developing complex combo LTC models, showcasing innovative solutions across different actuarial software platforms. Plus, gain additional insights on combo LTC modeling and methodology from a 2025 industry survey.

While standalone LTC market share continues to decline, several carriers are signaling renewed interest with plans for new product launches. At the same time, individual life combination LTC products remain the primary growth driver, and momentum is building around workplace solutions and annuity-based combinations.

This session takes a candid look at where innovation meets reality in long-term care coverage. We’ll explore how standalone policies and employer-sponsored programs, whether traditional or hybrid, are being redesigned to improve affordability, flexibility, and persistency through features such as modular benefits, inflation protection, innovative underwriting, and care navigation services. We’ll also examine integrated products that combine LTC benefits with life insurance or annuities to deliver financial protection alongside care coverage, featuring insights from the 2025 LIMRA/EY Combo LTC survey.

• Worksite / Group LTC: Employer-sponsored long term care solutions that leverage payroll channels to increase affordability and uptake

• Combo / Hybrid LTC: Products combining LTC benefits with life insurance, annuities, or disability coverage to address demand for premium protection and guaranteed benefits — including highlights from the 2025 LIMRA Combo LTC survey

Shrinking families and caregiver shortages are fundamentally changing incidence, severity, utilization, and cost-of-care inflation. This session explores how shifting demographics and collapsing informal care capacity are impacting LTC demand, claims, assumptions — and maybe even a new way to model for what’s coming next.

Post COVID pricing landscape: How pandemic-era experience has altered demand, claim patterns, and risk perception — implications for long term care pricing and capital planning. Modeling morbidity and mortality: Lessons from recent experience studies Actionable modeling & pricing recommendation: Practical ways for stress testing, recalibrating assumptions, and monitoring emerging signals to keep prices and reserves aligned with evolving risk. Inforce management pricing: Considerations on pricing methodology (future loss ratio vs. GPV, for example), and pricing assumptions including adverse selection and possible deviation from best estimate assumptions.

Using storytelling and interactive dashboards to transform complex actuarial insights into clear compelling narratives that align teams, create feedback loops, and accelerate decisions that drive impact.

The use of life insurance for LTC planning has gained significant traction. But with these new Combo/Hybrid solutions come new complexities. How prepared are advisors to manage the evolving service needs of these policies and more importantly, what happens when they don’t?

Understanding the nuances of each product category and the riders (Chronic Illness and LTC) are just as vital post issue as it is at the point of sale. What metrics can be monitored during policy reviews and how do they change depending on the underlying chassis? Some companies offer Policy Management programs geared to the producer, and some go D2C.

This session will explore the operational and advisory implications of life insurance-based LTC strategies and equip professionals with insights to better serve clients to help sustain their planned policy objectives.

The session highlights the rapid growth in interest around LTC annuity planning options and maximizing opportunities created by the Pension Protection Act. With lower underwriting thresholds and a straightforward, “makes sense” approach, prospects are engaging enthusiastically. Key drivers include tax-free LTC benefits, simple leverage mechanics, and compelling interest-earning opportunities. The consensus: this market segment is poised for significant expansion.

Short-Term Care (STC) Planning has emerged as a vital solution for consumers with modest planning budgets, filling a critical gap in the long-term care landscape. This session explores how STC products offer flexible, affordable coverage options that complement traditional insurance and government programs. Attendees will gain insights into market trends, product features, and effective sales strategies to meet the growing demand for accessible care solutions. Join us to discover how STC can enhance your portfolio and provide meaningful protection for clients navigating the complexities of aging and healthcare.

This session equips financial advisors with actionable strategies for addressing long-term care (LTC) planning among mass affluent retirees. Explore a range of solutions—from traditional LTC insurance and self-funding models to innovative hybrid products that integrate life insurance and LTC benefits. Advisors will gain insights into evaluating client needs, comparing plan structures, and effectively communicating options to support informed decision-making. Walk away with the tools to help clients safeguard their retirement assets while preparing for future care costs.

This session is sponosred by Securian Financial

Facts and figures alone rarely inspire action. What truly moves people to plan for their future is a story—one that connects emotionally, illustrates real-life impact, and transforms abstract concepts into meaningful decisions. This session explores why storytelling is not just a sales technique but a critical component in designing and delivering LTC solutions that clients embrace.
You’ll learn how to craft narratives that resonate with clients’ values and aspirations, bridge the gap between fear and empowerment, and make implementation feel like a natural next step. Through practical examples and proven strategies, we’ll show how stories can turn uncertainty into clarity and hesitation into commitment.

In today’s evolving benefits landscape, combining Group Life Insurance with Long-Term Care (LTC) riders offers a compelling solution for both employees and executives. This session will explore how to effectively position Group Life with LTC riders in the workplace, highlighting its value in addressing future care needs while enhancing financial wellness. We’ll also dive into strategies for presenting LTC extension products as part of an executive bonus plan—turning a traditional benefit into a powerful retention and reward tool. Attendees will leave with actionable insights to drive sales conversations and tailor solutions for diverse client needs.

Join an engaging panel where industry leaders from direct carriers, TPAs, and reinsurers reveal valuable insights behind exceptional Q/A strategies and claims process risk management. Discover how experts turn audit insights into actionable opportunities – exposing vulnerabilities and unlocking pathways to operational excellence.

Join us for an engaging and interactive session that brings the classic board game Chutes and Ladders to life. This dynamic experience combines audience participation with practical insights, guiding you through the highs and lows of integrating FWA programs into the LTC claim process. Each “move” on the board represents real-world examples, challenges, and opportunities – including emerging technologies, digital controls, smart workflows, and human insights.

Led by seasoned claims executives and an experienced trial attorney, this session goes beyond theory—offering actionable strategies, risk mitigation tips, and legal perspectives that matter. Whether you climb the ladder of success or slide down a chute of unexpected complications, you’ll leave with a deeper understanding of how to stay ahead in today’s evolving long-term care claims landscape.

Join our panel of medical experts for an engaging session on the evolving landscape of clinical oversight in long-term care insurance. Discover the latest health trends, effective approaches to managing complex cases, and innovative strategies to strengthen claims and underwriting decisions.

Considerable time and money are spent making Benefit Eligibility decisions. The documents used and the number of documents required to make these decisions can vary greatly. So how do we determine how much information is enough without jeopardizing the accuracy of these decisions? Come join this interactive session of seasoned claim leaders as we discuss challenges associated with the tools used to make Benefit Eligibility decisions and explore opportunities to streamline the process while managing risk.

Join leading experts as they share how carriers are currently viewing and addressing fraud. This session will dive into the latest industry survey findings, examine innovative approaches to fraud mitigation, and explore effective models for managing fraud, waste, and abuse (FWA). Attendees will gain valuable perspectives on current challenges and best practices to safeguard the integrity of LTC claims.

With the growing use of AI and automation in the world of hybrid underwriting, underwriters are shifting from being manual risk assessors to data interpreters and strategic advisors. In this session, we will explore what is needed for training and development of the next generation of underwriters where routine tasks are now increasingly being handled by algorithms leaving the underwriter to focus on complex cases requiring enhanced critical thinking skills, data interpretation and sound use of judgment. Join us for an interactive panel discussion where we will explore how to prepare our underwriters for the future where they will need to provide faster but accurate decisions while continuing to balance risk mitigation with customer expectations.

A seemingly clear policyholder communication can unravel a claim quickly.  In this hands-on workshop, groups of participants will first hear from legal professionals on the value of clear communication and mastering the content of claim/appeal denial letters – and what happens when there are communication breakdowns that lead to “bad faith” litigation. Participants will then test their own communication skills as they build their own policyholder communications from “choose your own adventure” templates – but who will truly bridge the gap between a communication breakdown and avoid imminent litigation?

What do everyday consumers really think about long-term care insurance—and how might those views shape the outcome of a trial? In this interactive session, we’ll stage a mock voir dire (jury selection) to explore how potential jurors respond to key concepts like policy language, benefit triggers, and product design. Participants will observe and engage with the process as attorneys question mock jurors, uncover biases, and strategize selections.

Beyond the courtroom drama, this session offers a rare opportunity to hear unfiltered consumer attitudes toward LTC insurers, coverage expectations, and claims disputes. Whether you’re in legal, compliance, product, or risk, you’ll walk away with a deeper understanding of how your decisions may be interpreted by a jury—and how to prepare for it.

This session provides a comprehensive overview of the most significant legal and regulatory changes affecting long-term care insurance in 2025. From key court decisions and evolving compliance requirements to updates in state and federal oversight, attendees will gain a clear understanding of the developments shaping the industry.
Designed for professionals in legal, compliance, and regulatory roles, the session will highlight emerging trends, notable rulings, and rulemaking activity with practical implications for carriers and stakeholders. This session will equip you with the insights needed to navigate a rapidly changing landscape.

Designed for professionals in legal, compliance, and regulatory roles, the session will highlight emerging trends, notable rulings, and rulemaking activity with practical implications for carriers and stakeholders. Whether you’re managing litigation risk, preparing for audits, or updating internal policies, this session will equip you with the insights needed to navigate a rapidly changing landscape.

Is there a “GOAT” in long-term care compliance? This interactive session takes a debate-style approach to some of the most contested regulatory and product development issues in the LTC space. Using the MJ vs. LeBron rivalry as a backdrop, we’ll explore both sides of the argument on hot topics like nonforfeiture requirements for acceleration products, inflation protection, the impact of extension and restoration on accelerated status, and state-imposed disclosure requirements. Attendees will leave with a clearer understanding of the trade-offs, compliance risks, and practical considerations on some key topics

Innovation in long-term care product design often collides with the realities of regulatory oversight. This session will explore unique long-term care product designs and examine the compliance and regulatory challenges that come with them. The panel, including state regulators, will discuss the viability of long-term care innovation and discuss strategies for state approval. The result: a deeper appreciation for the push and pull between product innovation and regulatory guardrails, and fresh thinking on how to bridge the gap.

Step into the world of long-term care insurance fraud investigations—like you’ve never experienced before. This interactive session combines real-life case studies with an escape-room-inspired twist. Our expert panel will guide you through actual fraud investigations from across the country, highlighting the tactics and techniques used to uncover and stop bad actors.

But beware: after each case, you’ll receive a cryptic clue left behind by a fictional mastermind who may be orchestrating these schemes. Are these cases truly unrelated, or is someone pulling the strings from the shadows? Work together to solve riddles, connect the dots, and uncover the truth before time runs out. Join us for a session that educates, entertains, and challenges your investigative instincts—because in this room, every detail matters.

Insurance operations are built on decisions—by employees, policyholders, and systems. By partnering with behavioral science experts, insurers can unlock powerful insights into how people think, act, and respond to risk, communication, and change. This session explores how behavioral science can enhance operational efficiency, improve claims outcomes, and support more empathetic customer engagement. Learn how cognitive bias, decision fatigue, and behavioral nudges can be leveraged to optimize workflows, reduce friction, and build trust. From policyholder behavior to internal process design, discover how human-centered strategies can elevate performance across the insurance value chain.

Think you know the ins and outs of LTC operations? Test and share your knowledge in this fun and interactive Jeopardy session! We will collectively work as a group to compete and answer questions about operational best practices, industry trends, and quirky facts from the world of LTC Operations.  Bring your competitive spirit and curiosity. Whether you’re here to win bragging rights or simply enjoy the game, you’ll leave with new knowledge, a smile!

Join an ethical hacker for a behind-the-scenes look at how cybercriminals target insurance companies. Through real-world examples and live demos, this session reveals common vulnerabilities, attack methods, and practical defenses. Learn how cybersecurity impacts your business—and walk away with actionable strategies to protect your organization.

Call Centers are evolving fast—driven by AI, self-service portals, and shifting outsourcing models. This session explores how these changes are reshaping customer support, and whether the skillset needed today is different from the past. We’ll dive into the impact of automation, global teams, and the growing need for tech-savvy, adaptable professionals. Join us for a concise, insightful look at what’s next for the modern Call Center.

As technology evolves, so must our teams. This session dives into how insurance organizations can move beyond the hype and make AI truly work—where it matters most: in day-to-day operations. From policy servicing to customer support, we’ll explore how to build tech fluency across all levels—from frontline teams to leadership.
Discover practical strategies for upskilling, fostering a culture of continuous learning, and guiding employees through change. Walk away with a clear roadmap for transforming digital disruption into a shared journey – one that empowers your people, enhances efficiency, and drives measurable business outcomes.

Even the best-laid plans evolve. This session explores how to adapt when initiatives take unexpected turns—how to pivot with purpose, uncover new opportunities, and keep teams aligned through change. Hear practical strategies for reframing challenges, strengthening resilience, and leading with clarity when the path forward shifts.

Consumers face several barriers when planning for long-term care (LTC) needs and purchasing LTC insurance. This session highlights promising industry trends and explores opportunities to reframe LTC risk from the consumer’s perspective. Discover practical tools and approaches to estimate LTC needs, develop holistic retirement planning strategies, and select products tailored to individual circumstances. Join us to dream a secure future and gain actionable insights to deliver financial security and peace of mind in retirement.

With recent media attention bringing long-term care into the spotlight—from high-profile documentaries to primetime specials—this session explores how the industry can capitalize on growing public interest.

But is your company missing out? How are other insurers and distributors successfully reaching consumers to act? How are they driving changes in behavior to generate long-term care planning discussions – – (which also happen to help drive sales)?

Learn which marketing strategies resonate most with today’s consumers and how social media is emerging as a powerful channel for engagement. Spoiler alert – the regs are probably more liberal than you think!

Discover how carriers and distribution partners are adapting their outreach to connect with a broader audience and drive awareness of LTC solutions.

Explore how artificial intelligence is being leveraged in long-term care marketing and sales strategies. This session will examine how AI is being used to identify and engage new consumer segments, recommend tailored LTC products, and assess individual risk profiles and care needs. Learn how carriers are leveraging AI-driven market intelligence to uncover emerging opportunities and simplify sales support. Discover the evolving role of AI in enhancing both strategic decision-making and customer experience across the LTC landscape.

This session provides insights into the effectiveness of traditional marketing tactics within the long-term care space, based on live participant feedback and real-world application. Explore which strategies are driving engagement, where challenges persist, and how current marketing content and product messaging align with consumer expectations. Gain a clearer understanding of what resonates with the general public and how to refine outreach for greater impact.

Discover marketing strategies for expanding the reach of long-term care solutions to new and emerging customer segments. This session will explore growth opportunities across diverse markets—including the business sector, middle-market, utilizing market-driven solutions, and beyond. Learn how carriers and distribution partners are tailoring products and marketing approaches to meet the evolving needs of these audiences, and which solutions are best positioned to succeed in each segment.

Gain strategic insights from carriers and distribution as they explore the latest industry trends shaping innovation, product development, and sales strategies. This session will examine how organizations are adapting their go-to-market approaches to meet evolving consumer expectations, with a focus on how new products are being positioned and promoted across diverse distribution channels.

In this fireside chat led by Gen Z advocate Arielle Galinsky, we’ll explore bold ideas for aging-in-place, LTC policy reform, and the importance of multigenerational collaboration. Arielle brings her deep passion on all things aging & LTC as well as her commitment to advancing aging policy reform at the state and national levels. From her research and experience, she will lead insightful conversation on 1) why aging needs to be an intergenerational conversation, 2) what we can learn from international aging models and policies, 3) and what policymakers need to know to make this vision a reality. Get ready for an energizing conversation that brings a fresh, forward-thinking perspective on aging.

Provide insight into research that supports the user experience of the age group of LTC policyholders

Provide insight into carrier learnings of how wellness program have resonated with policyholders and where there is opportunity

Share tips on how to navigate the complicated relationship of insurance carriers and their customers

As wellness programs become more prevalent in the LTC industry, results from pilots and production programs continue to emerge. The industry is using a variety of methodologies to measure these results to understand the impact of wellness programs. In this session, we’ll discuss multiple methodologies and approaches that the industry is using to measure results, along with underlying statistical metrics and their applicability and meaning within the wellness context. We will also discuss practical considerations and limitations to keep in mind when analyzing and communicating results to stakeholders.

Join us for a data-focused session where three LTC carriers share insights from wellness programs including their diverse approaches and results from the programs. Discover how each carrier leverages data to drive decisions through various approaches. Topics will include varied engagement methods, confidence in results from a wellness pilot, and holistic health analysis using industry expertise and scientific research. The session will also explore how sharing data and learnings across carriers can lead to more meaningful insights and foster collaboration. Future plans for data sharing and aggregation will be discussed, highlighting the path forward for innovation in the LTC consortium.

Step into the lives and experiences of older adults as they share firsthand perspectives that illuminate the realities behind long-term care decisions. This interactive focus group brings together individuals aged 70–85 to discuss how they think about long-term care, wellness, and caregiving.

Through a series of short video clips, attendees will hear from three distinct groups:
• Those without long-term care insurance, exploring their reasons and perceptions & needs.
• Policyholders, sharing how they view their coverage and how wellness initiatives could enhance value.
• Policyholders, sharing their experience with Wellness pilots

Following the videos, a live discussion with older adults will dive deeper into emerging themes—what motivates decisions, what “wellness” means later in life, and how the industry can better connect with this generation.

Join us for this dynamic, human-centered session that brings authentic voices to the forefront—offering inspiration, understanding, and actionable ideas for shaping the future of long-term care.

Behind every successful wellness program lies a well-structured contract—but getting there is rarely a fairy tale. Join leaders from organizations that contract with long-term care carriers as they share a vendor’s perspective on navigating the contracting process. Explore what a “dream contract” looks like, the compromises required to make it a reality, and lessons learned along the way. Through interactive scenarios and live polling, you’ll gain insights into contract structures, pricing strategies, and risk mitigation—all while uncovering the practical challenges vendors face. Walk away with actionable ideas to strengthen your own contracting approach.