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2017 Supplemental Health & Protection Conference

Connect, Collaborate, Differentiate

September 25, 2017 – September 27, 2017
Hyatt Regency Inner Harbor, Baltimore, MD

MONDAY, SEPTEMBER 25, 2017
 

11:00 am - 6:30 pm

REGISTRATION
Constellation Foyer - Thank You To Our Mobile App Sponsor: Munich Re
 

1:30 pm - 2:00 pm

MEET & GREET
Constellation Foyer

2:00 pm - 3:15 pm

GENERAL SESSION 1
Constellation A/B

Disruptive Thinking: How to Spark Transformation in Your Business

  • Luke Williams

    Professor of Innovation and Executive Director, Berkley Entrepreneurship Center
    New York University, Stern School of Business
Successful companies operating in mature industries that try to differentiate themselves by focusing on incremental innovation instead of game-changing, disruptive innovation will differentiate themselves right out of business.  Companies need to be consistently making bold moves, even at the very peak of their success. It is an essential skill for anyone in business, from a small start-up to a global corporation, with the desire to transform organizational processes and behaviors.  Join Luke to learn how to transform your business and answer the question, “Why hadn’t we ever thought about our business and industry this way before?”
 

3:15 pm - 3:45 pm

BREAK
Atrium
 

3:45 pm - 5:00 pm

CONCURRENT SESSIONS

1. Medical Technology Advancements in Cancer Treatment

Constellation C
Tom Coulter, FSA, MAAA, President, Coulter and Associates, Inc.
Moderator: Blake Westerfield, ASA, MAAA, Vice President, Product Management, Supplemental Health Products, CNO Financial Group, Inc.
Join us for a discussion of medical technology advancements pertaining to the diagnosis, classification and treatment of cancer. Learn how these advances will impact pricing, underwriting, policy language and claims adjudication for supplemental health products.

2. Combo Products - Managing Risk and Opportunity

Constellation A/B
Robert Eaton, FSA, MAAA, Consulting Actuary, Milliman
Moderator: Steve Rowley, Vice President, Senior Account Executive, Gen Re Life Corp
Combination products are one of the fastest growing trends in our industry today.  This session will examine common structures, benefits, value and risks associated with combining various forms of insurance including but not limited to supplemental health products, long term care and life insurance.

3. The Critical Illness Medical Consultation From A to Z: Where Pricing, Marketing and Claims All Meet!

Constellation F
Dave Rengachary, M.D.,  Senior Vice President and Chief Medical Director, US Mortality Markets, RGA Reinsurance Company
Moderator: Rebecca Winters, Voluntary Product Manager, Voya Financial
This interactive session will explore the medical nuances of CI benefits with forays into other supplemental health products.  We’ll discuss elements of the critical illness medical consultation with significant implications on how the product is marketed, how it’s priced, and how claims are paid.  Specific examples, polling and cases will be utilized – bring along your own medical questions!

4. What Has Predictive Analytics Done For You Lately?

Constellation D
Eric Poirier, FSA, FCIA, Vice President, Business Analytics, Unum
Patrick Sullivan, Second Vice President, Integrated Analytics, Munich Re
Everyone is talking about it, but has anyone done anything differently as a result of predictive analytics? This session will review practical successes and challenges of using these techniques in the life and health insurance space.

5. LTC: A Forward Looking View of Care, Delivery and Financing

Constellation E
Cindy Malone, Senior Vice President, Research, Maddock Douglas
Robyn Stone, DrPH, Senior Vice President, Research, LeadingAge
Moderator: Vincent L. Bodnar, ASA, MAAA, Senior Vice President, Product Management, Genworth
This session will feature two experts that will provide their views on the future state of LTSS and the opportunities that exist to provide private financing solutions.  Ms. Stone will focus on how emerging technology and the expected strain on resources will shape the future of LTSS.  Ms. Malone will describe the demand that exists for viable financing solutions given today’s demographics, consumer attitudes, and economic environment.
 

5:00 pm - 6:30 pm

Networking Reception With A View - Sponsored by Best Doctors
Pisces
TUESDAY, SEPTEMBER 26, 2017
 

7:00 am - 5:30 pm

REGISTRATION
Constellation Foyer
 

7:00 am - 8:00 am

BREAKFAST
Atrium

8:00 am - 9:00 am

GENERAL SESSION 2
Constellation A/B

Navigating Today's Crosscurrents of Health Policy Change

  • Susan Dentzer

    President and Chief Executive Officer
    Network for Excellence in Health Innovation
The year 2017 is shaping up to be a tumultuous one in national health care policy, with the Trump administration and both houses of Congress undertaking legislative and regulatory steps toward the partial repeal and replacement of the Affordable Care Act.  What will potential changes in private health insurance and Medicaid mean for the nation, and for other aspects of the insurance market?  Amid these changes, what will be the future of payment and delivery system reforms aimed at improving health care and lowering the cost?   Susan Dentzer will address these issues and the implications for supplemental products.  
 

9:00 am - 9:30 am

BREAK
Constellation Foyer
 

9:30 am - 10:45 am

CONCURRENT SESSIONS

6. Industry Sales Updates On Product Trends

Constellation A/B
William Bade, FSA, Product Development and Strategy Consultant, Millliman
Michelle Haines, ASA, MAAA, Associate Actuary, RGA Reinsurance Company
Steve Rowley, Vice President, Senior Account Executive, Gen Re Corp
Moderator: Kristen D. Willey, GBDS, Distribution Sales Consultant, Group Special Products, Workplace Solutions, Mutual of Omaha

What are the latest product trends impacting the critical illness, hospital indemnity, and accident insurance industries? Come hear the results of three new product surveys, featuring a:

  • Critical Illness survey from Gen Re
  • Hospital Indemnity survey from Milliman
  • Accident Insurance survey from RGA

7. Supplemental Health Product and Rate Filing Challenges

Constellation F
Susan Coulter, CLU, ChFC, Principal Consultant, Coulter and Associates, Inc.
Tom Coulter, FSA, MAAA, President, Coulter and Associates, Inc.
Moderator: Blake Westerfield, Vice President, Product Management, Supplemental Health Products, CNO Financial Group, Inc.
Join us for a discussion of the supplemental health product and rate filing environment in the aftermath of the Affordable Care Act (ACA). This session will review challenges that ACA implementation has created for supplemental health products as well as some state-specific requirements. 

8. Enrollment Technology Issues

Constellation D
David Essary, Chief Executive Officer, Accord Systems
Kim Landry, Assistant Research Director, LIMRA
Kevin D. Seeker, GBA, Assistant Vice President, Benefit Communication Strategy, Sun Life Financial
Moderators: Bryan G. Burke, Head of Worksite Product Strategy and Marketing, Sun Life Financial; Rebecca Winters, Voluntary Product Manager, Product Development, Voya Financial
Enrollment technology platforms are commonly used to enroll workplace supplemental health products – What are the implications? This session will share multiple perspectives on this issue. First, LIMRA will share recent research on employer wants, needs, and preferences for enrollment technology. Then, a panel of experienced carrier and technology professionals will discuss the challenges associated with offering products on these platforms.

9. FASB's Proposed Change: A Giant Step Forward?

Constellation C
Robert Hanes, MAAA, FSA, Director, Health Actuarial, KPMG, LLP
Roger Vancleave, Vice President, Accounting, Unum
Moderator: Peter Braun, FSA, MAAA, Actuary, IDI Pricing, Northwestern Mutual
FASB has proposed changes to US GAAP reporting for long duration contracts. Everyone will be impacted, from Wall Street analysts to internal company management to investors. What are these changes and how will they impact your reported results?

10. Innovative LTC Products for Target Markets

Constellation E
Aaron Ball, Vice President, Long Term Care Business Leader, New York Life
Dave Peters, Vice President Sales, Medico Insurance Company
Moderator: Steve Schoonveld, FSA, MAAA, Assistant Vice President, Head of Linked Benefit Product Solutions, Lincoln Financial Group

One size doesn't fit all in LTC insurance. Learn about several new products that are now being developed to specifically address the needs of the middle-income market and retiree market.


 

10:45 am - 11:00 am

BREAK
Constellation Foyer
 

11:00 am - 12:15 pm

CONCURRENT SESSIONS

11. Product Development - The Next Generation

Constellation A/B
William Bade, FSA, Product Development and Strategy Consultant, Milliman
Clay Cole, FSA, MAAA, Head of Innovation, MassMutual
Julie Pohjola, New Product Development Lead, Cigna
Marty Traynor, CLU, FLMI, GBDS Vice President, Voluntary Benefits, Mutual of Omaha
Moderators: Susan Wagner, Assistant Vice President, Product Development, MassMutual Financial Group; Kristen D. Willey, GBDS, Distribution Sales Consultant, Group Special Products, Workplace Solutions, Mutual of Omaha
A panel of product development experts will discuss how product development has evolved, new approaches and trends that are impacting product design today, and key considerations when bringing new and innovative ideas to market.    

12. Underwrite This! A Voluntary CI/AI/HI Case Study Workshop

Constellation F
Mary Johnson, Senior Marketing Underwriter, RGA Reinsurance Company
Jeff Schuh, FSA, MAAA, ACIA, FCIA, Vice President and Actuary, RGA Reinsurance Company
Moderator: Michelle Haines, ASA, MAAA, Associate Actuary, RGA Reinsurance Company
An interactive look at some actual Critical Illness, Accident and Hospital Indemnity cases in the group market, specifically addressing issues related to plan design, industry, demographics and enrollment methods.

13. Interstate Compact Session for Both DI and LTC

Constellation E
Kathleen Coughlin, RHU, Chief Health Underwriter, MassMutual Financial Group
Karen Schutter, Executive Director, Interstate Insurance Product Regulation Commission (IIPRC)
Jeanette Slabaugh, CLA, AIRC, ALMI, Sr. Contracts and Compliance Associate, New York Life
Moderator: Peter Braun, FSA, MAAA, Actuary, IDI Pricing, Northwestern Mutual
It has been more than five years since the Interstate Compact implemented standards for both DI and LTC products.  This session will provide an overview of the Compact, available products and what's in store for the future. This session will also include best practices and tips from the Compact and filers for filing through the Compact.

14. LTC Solutions - Debating Three Product Types

Constellation D
Jim Glickman, FSA, MAAA, President and Chief Executive Officer, LifeCare Assurance Company
Tim Kneeland, CLU, ChFC, President, Long Term Care, Product Leadership, Transamerica
Shawna Meyer, FSA, MAAA, Vice President and Actuary, New York Life
Moderator: John L. Timmerberg, ASA, MAAA, Consultant, Accelerated Actuarial
From both a company’s and policyholder’s perspective, we will describe and compare the pros and cons of Stand-alone Long-term Care Insurance, Asset-based Life/LTC combination products and Chronic Illness Accelerated Benefit Riders on Life Insurance.  As a 2017 update, we will explore the most recent information on trends in population dementia prevalence, interest rates and other environmental factors for their favorable impact on the long-term care or chronic illness risk.  Then, in round-robin format and across the three product types, industry experts will debate the size of the market opportunity, underwriting differences, policyholder value, company perspective on risk/profitability, actuarial/pricing assumptions and claim handling.
 

12:15 pm - 1:15 pm

LUNCH
Atrium
 

1:15 pm - 2:30 pm

CONCURRENT SESSIONS

15. Getting Fit With Wellness

Constellation C
Francois Millard, FIA, FSA, MAAA, Senior Vice President and Chief Actuarial Officer, The Vitality Group
Moderators: Bryan G. Burke,  Head of Worksite Product Strategy and Marketing, Sun Life Financial; Adam Bezman, Senior Director, Product and Innovation, Trustmark Voluntary Benefit Solutions
Wellness has become increasingly pervasive, with fitness trackers, changes in lifestyle, and nutrition improvements. How should insurance products account for wellness? Should individuals benefit from these activities? Does incenting wellness lower risk? Join us for a discussion of these questions and more!

16. Premium Structures for Supplemental Health Products

Constellation A/B
Benjamin Cohen, FSA, MAAA, President and Consulting Actuary, Wakely Actuarial
Stephen Rook, FSA, MAAA, Vice President and Chief Actuary-Group, Aflac Group Insurance
Moderator: Richard Schaefer, FSA, MAAA, Senior Vice President and Chief Actuary, Allstate Benefits

 This session will explore various premium structures for supplemental health.

  • What are the pros and cons of issue age, attained age, and composite rating structures?
  • How do these integrate with enrollment systems, risk management, persistency, financial reporting, and commissions? 
  • What are the advantages to the employee and the employer of each structure?

17. Managing Risk in Hospital Indemnity Insurance

Constellation D
Cabe Chadick, FSA, MAAA, Senior Vice President and Principal Consulting Actuary, Lewis & Ellis, Inc.
Allison Colberg, FSA, MAAA, Pricing Actuary, Unum
Sarah Thacker, FLMI, CLU, Underwriting Manager, Voluntary Benefits, Voya Financial
Moderator: Daryl Schrader, FSA, MAAA, Actuary, Guarantee Trust Life
Learn more about underwriting and risk management for hospital indemnity products. Topics will include maximum benefit levels, contract provisions, varying underwriting by benefit level, when to guarantee issue, and other underwriting approaches. 

18. DI Chief Underwriters Panel

Constellation F
Kathleen Coughlin, RHU, Chief Health Underwriter, MassMutual Financial Group
Richard Dixon, Assistant Vice President, Underwriting, Munich Re
Moderator: Chrisann Funk, IDI Product Director, Principal Financial Group
Join us for an intimate conversation with Chief Underwriters from three Disability carriers in the industry.  They’ll share some of their insights into the industry including innovation, the current and future impacts of technology on underwriting and the overall future of the industry and where we may be headed.  

19. Regulator Viewpoint On Long-Term Care

Constellation E
Rhonda Ahrens, FSA, MAAA, AAPA, Life and Health Actuarial Examiner, Nebraska Department of Insurance
Perry Kupferman, FSA, MAAA, FLMI, Supervising Life Actuary, California Department of Insurance
Adam Zimmerman, Actuarial Analyst, Maryland Insurance Administration
Moderator: Steve Schoonveld, FSA, MAAA, Assistant Vice President, Head of Linked Benefit Product Solutions, Lincoln National
Join us for a discussion among Regulators within the Long-Term Care industry. The session will extensively review recent topics of note including but not limited to asset adequacy analysis, rate increase consistency and combination products.
 

2:30 pm - 2:45 pm

BREAK
Constellation Foyer
 

2:45 pm - 4:00 pm

CONCURRENT SESSIONS

20. Supplemental Health Hot Topics Buzz

Constellation A/B
Moderators: Ashlee Borcan, FSA, MAAA, Principal and Consulting Actuary, Milliman
David Dillon, FSA, MAAA, Vice President and Principal, Lewis & Ellis, Inc.
Tarie Summers-Herbek, HIA, MHP, GBDS, VBS, Assistant Director, Product Management, The Hartford
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.

21. Get In Line - Integrating Effectively with Major Medical

Constellation D
Kevin Kearney, CEBS, Director, Service Operations, Aetna Life Insurance Company
David Prickitt, FSA, MAAA, Vice President and Chief Actuary, USAble Life
Kendie Stroede, Specialty Integration Product Lead, Cigna
Moderators: Kristen D. Willey, GBDS, Distribution Sales Consultant, Group Special Products, Workplace Solutions, Mutual of Omaha; Julie Pohjola, New Product Development Lead, Cigna
This session will discuss considerations when offering supplemental products alongside major medical and other core offerings. Explore opportunities for alignment and enhancing customer value.

22. He Said, She Said: Perspectives On Group vs. Individual Underwriting

Constellation E
Bret Fredericksen, Select Benefits Underwriting Manager, Symetra
Gail Mitchell, FLMI, Vice President, Underwriting, CNO Financial Group
Moderator: Kamran Malik, ASA, MAAA, Consulting Actuary, Wakely Actuarial
Join two underwriters, one from the group side and the other individual, as they discuss key underwriting considerations for critical illness, hospital indemnity and accident insurance products.

23. Around The DIal

Constellation C
Moderator: Dave Steinbrunner, ASA, MAAA, Assistant Actuary and GSI Underwriter, Product Development - Disability Income, Ameritas Life
Connect with your peers as we debate and discuss current events, challenges and opportunities in the DI marketplace.

24. De-Risking Long-Term Care Insurance

Constellation F
Andrew Dalton, FSA, MAAA, Actuary, Milliman
John O'Leary, President, O'Leary Marketing Associates, LLC
Moderator: Robert Yee, FSA, MAAA, Director, PricewaterhouseCoopers
LTCI is subject to mortality, lapse, incidence utilization, investment, and expense risks. This workshop will introduce several emerging concepts to mitigate some of these risks, including interest rate, inflation, and mortality hedging as well as approaches to managing inforce blocks of business. We will also discuss the challenges of turning these concepts into reality.
 

4:00 pm - 4:15 pm

BREAK
Constellation Foyer

4:15 pm - 5:15 pm

GENERAL SESSION 3
Constellation A/B

Behavioral Economics - The Third Leg on the Analytics Stool

  • Chris Stehno

    Managing Director
    Deloitte Consulting LLP
Data and Digital have been the major drivers of the analytics revolution for the last decade.  However, the new kid on the block, Behavioral Economics, is quickly becoming a major disruptor in many marketplaces and is just beginning to show up in select areas within the insurance marketplace.  In this session we will discuss Behavioral Economics, give concrete examples of its use in other sectors, and discuss potential applications within Supplemental Health and Protection.
 

5:15 pm - 6:30 pm

WEDNESDAY, SEPTEMBER 27, 2017
 

7:00 am - 8:00 am

BREAKFAST
Atrium

8:00 am - 9:00 am

GENERAL SESSION 4
Constellation A/B

Medical Director Panel

  • Stephen K. Holland, M.D.

    Chief Medical Officer
    Long Term Care Group (LTCG)
  • Nicole Simpson, M.D., MPH, DBIM

    Assistant Vice President, Medical Director, Health Underwriting Strategy
    MassMutual
  • Laura Vecchione, M.D.

    Medical Vice President
    Gen Re
What’s on the minds of medical directors within our industry? Join us for a panel discussion with medical directors from several prominent insurance carriers. They will share insights into recent trends, challenges they face, and what’s keeping them up at night.
 

9:00 am - 9:30 am

BREAK AND EXHIBITOR RAFFLE
Constellation Foyer
 

9:30 am - 10:30 am

CONCURRENT SESSIONS

25. Actuarial Professionalism: Call To All Actuaries - Rules of Engagement (1)

Constellation E
Jay B. Bushey, FSA, Senior Director, Actuarial and Risk Management, LifeSecure Insurance Company
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 US actuaries and receive structured professionalism credit as well.

26. Beyond The Definition of Excepted Benefit: How Changes to Federal and State Regulations Impact Supplemental Health Products

Constellation A/B
Jennifer Howard, FSA, MAAA, Actuary, Milliman
Stacy Koron, J.D., CLU, FLMI, LTCP, Compliance Consultant, Millliman
Moderator: Susan Wagner, Assistant Vice President, Product Management, MassMutual Financial Group
In addition to providing information on current regulatory updates/considerations, this session will explore the potential impacts that changes in State and Federal regulations could have on supplemental health products, and how to navigate in an ever-changing environment.

27. Enhancing The Customer Experience: Imagine The Possibilities

Constellation F
Phil Murphy, FLMI, Second Vice President, Integrated Underwriting Solutions, Munich Re
Kristin Pagliero, Manager, Market Education, Unum
Preston Rogers, Assistant Vice President, UUS Contact Center, Unum
Moderator: Todd Silverhart, Ph.D., LLIF, Corporate Vice President and Director, Insurance Research, LIMRA

Surveys have shown that buying insurance is second only to going to the dentist as one of people’s least favorite things to do.  How can the industry change this attitude?  This session will discuss the industry’s response to enhancing the customer experience using solutions that were not possible only a few short years ago.  (P.S.  And some that were.) 

28. Investigating LTC Claims: Fraud Prevention Tips and Strategies

Constellation D
Tom Ard, Surveillance Manager, Diligence International Group, LLC
Paul Marquez, Manager, Diligence International Group, LLC
Chris Petillo, J.D., Associate, Drinker Biddle & Reath LLP
Chad Thomas, Director, Claims, Genworth
Moderator: Shawna Meyer, FSA, MAAA, Vice President and Actuary, New York Life
Both company and consumer experience with LTC claims is increasing rapidly.  This session will explore various considerations for a claim fraud detection program from a legal, company and investigative perspective.  Topics will include:  how to determine your company's philosophy for a fraud detection program, how to create a program and how to execute this program.  This session will also explore legal considerations, litigation tactics and possible litigation outcomes.
 

10:30 am - 10:45 am

BREAK
Constellation Foyer
 

10:45 am - 11:45 am

CONCURRENT SESSIONS

29. Actuarial Professionalism: Call To All Actuaries - Rules of Engagement (2)

Constellation E
Jay B. Bushey, FSA, Senior Director, Actuarial and Risk Management, LifeSecure Insurance Company
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 US actuaries and receive structured professionalism credit as well.

30. Driving Superior Supplemental Health Participation

Constellation A/B
Melissa Marks, CEO, The McClain Group
Steve Woods, Vice President, Senior Account Executive, Gen Re
Moderators: Adam Bezman, Senior Director, Product and Innovation, Trustmark Voluntary Benefit Solutions; Steven Toby, Director, Supplemental Health Product Development, Guardian
How can we drive superior employee participation? This session will explore the impact of:
   - Pre-enrollment messaging
   - Enrollment meeting format (group vs. one-on-one)
   - Enrollment meeting timing (off cycle vs. with core benefits)
   - Enrollment meeting content

31. The Changing Underwriting Paradigm

Constellation F
Bill Moore, Vice President, Underwriting, Munich Re
Moderator: Richard Dixon, Assistant Vice President, Underwriting, Munich Re
Disruption, technology, an aging workforce, and many other factors are changing the way we work today and in the future.  Join us to learn more about the factors that will change underwriting for disability insurance in the future.
 
 

11:45 am

Conference Adjourns







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