Professionals responsible for actuarial/product
development, underwriting, claims, regulation/product filing and/or
administration of the following products (through either worksite or retail
channels):
accident insurance
critical illness insurance
hospital indemnity plans
individual disability insurance
long-term care/combo products
Highlights
The new Supplemental Health & Protection Conference provides a unique opportunity to consider a cross-functional view of supplemental health products, including accident insurance, critical illness, hospital indemnity, as well as individual disability insurance and long-term care/combo products.
With a variety of sessions on pricing/product design, filing, underwriting, claims and more, as well as separate tracks for each product, attendees can choose to explore one product from end-to-end or consider one function across multiple products.
Hosted by LIMRA, LOMA, and the Society of Actuaries, this event provides the opportunity to network with peers, share ideas and experiences, and learn from experts within the supplemental health, individual disability and long-term care industries.
President and Chief Executive Officer, Network for Excellence in Health Innovation
Susan Dentzer is the President and Chief Executive Officer of the Network for Excellence in Health Innovation, a not-for-profit organization that seeks intelligent ways to advance health and improve health care at sustainable costs. Dentzer previously served as senior policy adviser to the Robert Wood Johnson Foundation, the nation’s largest philanthropy focused on health and health care in the United States. She is an elected member of the National Academy of Medicine (formerly the Institute of Medicine) and serves on the academy’s Board on Population Health and Public Health Practice. She is also an elected member of the Council on Foreign Relations; a fellow of the National Academy of Social Insurance; and a fellow of the Hastings Center, a nonpartisan bioethics research institute. Dentzer is a member of the Board of Directors of the International Rescue Committee, a leading global humanitarian organization, the RAND Health Board of Advisors, and the March of Dimes advisory board.
Chief Medical Officer, Long Term Care Group (LTCG)
Dr. Stephen Holland serves as Chief Medical Officer for LTCG and brings more than 29 years of long-term care, life, and managed care leadership experience. As the clinical leader at LTCG, Dr. Holland has played an integral role in building the underwriting and claim capabilities of the country’s largest full service LTC and Life-LTC Insurance Administrator. Dr. Holland holds a Doctorate of Medicine from the Case Western Reserve University School of Medicine and completed his postgraduate medical training in Internal Medicine at the University of Washington. He completed a fellowship in health care policy as a Robert Wood Johnson Clinical Scholar at the University of Washington, School of Medicine and received his Board Certification in Internal Medicine from the American College of Physicians.
Assistant Vice President, Medical Director, Health Underwriting Strategy, MassMutual
Nicole Simpson, a board certified internal medicine physician, has over 10 years of medical experience, with specialized training in Internal and occupational medicine including industry training in occupational health with United Technologies, State of CT Department of Public Health, and Travelers Insurance Company. She joined MassMutual in 2008. Adding to this experience is Nicole’s Board Certification in Insurance Medicine in February 2014. Among other qualities, she is multi-disciplinary covering Life, DI and LTC. In addition to providing morbidity and mortality risk assessments and guidance for underwriters and MassMutual’s Medical Manuals, Nicole is a skilled trainer and has provided on-going education, training and mentoring for MassMutual underwriters and young professionals at the UCONN School of Medicine.
Chris Stehno works in Deloitte’s Advance Analytics practice. He has over 25 years of insurance and healthcare analytics experience and specializes in data augmentation, advanced analytics and their resulting business applications. Chris’s work includes consulting on the convergence of behavioral/lifestyle data with personal health/mortality results and on data augmentation and predictive modeling applications to augment underwriting and pricing decisions, to understand and predict the motivation factors behind customer purchase and change behavior decisions, and to enhance risk based sales, marketing and retention efforts. His clients include national and regional health plans, life and annuity insurance companies, state and federal entities including the Department of Defense and VA, and life sciences corporations.
Laura began her insurance medicine career at MetLife and then worked at Swiss Re before joining Gen Re in 1997. She has more than 20 years of insurance medicine experience in the areas of Life, Disability, Critical Illness, and Long-term care. Laura has served on the Program Committee and Continuing Medical Education Committee of the American Academy of Insurance Medicine. She completed her Family Practice Residency and Family Practice Board Certification in Brooklyn, NY and is also Board Certified in Insurance Medicine. Before entering insurance medicine, Laura practiced Family Medicine in White Plains, NY. She is a graduate of the State University of New York Downstate Medical Center College of Medicine.
Professor of Innovation and Executive Director, Berkley Entrepreneurship Center, New York University, Stern School of Business
Luke Williams is a globally recognized authority on innovation leadership. He works with organizations on challenges ranging from creating new products and services, to transforming organizational processes and behaviors. He is professor of Innovation and executive director of the Berkley Entrepreneurship Center at New York University’s Stern School of Business and a fellow at frog, one of the world's most influential innovation companies. Williams is a sought-after commentator on disruptive innovation, entrepreneurship and cultural change. He is invited to speak worldwide, and his views are regularly featured in Bloomberg BusinessWeek, Fast Company, GQ, The Atlantic, The Wall Street Journal, NPR, and MSNBC. He is the inventor of over fifty United States patents and the best-selling author of Disrupt: Think the Unthinkable to Spark Transformation in Your 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?”
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.
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.
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!
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.
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.
Constellation E
5:00 p.m. - 6:30 p.m.
Networking Reception With A View - Sponsored by Best Doctors
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.
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:
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.
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.
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?
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.
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.
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.
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.
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.
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!
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?
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.
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.
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.
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.
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.
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.
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.
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.
Chief Medical Officer, Long Term Care Group (LTCG)
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.
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.
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.
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.)
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.
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.
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
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.
Early Registration Rates LIMRA, LOMA, and SOA Members: $1,225 Non-member: $1,725
Standard Rates (After 8/18/17) LIMRA, LOMA, SOA Members: $1,425 Non-member $1,925
If
three (3) or more individual employees from the same member company register
for this meeting, each individual registrant may take advantage of a group
registration discount of $100. Individuals using this registration option
must register for the full member conference registration fee. (Note:
Presenter registrations and individuals utilizing any other discounts do not
qualify towards the required three registrant per company
minimum.) Please note that if a registrant's member company
does not ultimately meet the aforementioned eligibility criteria
(e.g., there are fewer than three registrants from a member company
who paid the qualifying full conference fee), registrants will receive a notice
of any balance due based on the difference between the regular
applicable rate and the group discounted rate.
Cancellation Policy
All cancellations and refund requests must be received in writing. These requests carry a $100.00 U.S. administrative charge. Full refunds minus the administrative fee will be granted on written requests received no later than ten business days before the meeting. No refunds will be granted if the request is received within ten business days of the meeting. If for any reason a meeting is cancelled, the Conference Organizers will refund the total registration fee. However, the Conference Organizers will not be responsible for any travel, hotel accommodations or other costs incurred. Cancellation requests should be submitted to meetings@loma.org.
Reservations
Phone: 800-233-1234 (mention Supplemental Health & Protection Conference)
Make your
reservations by August 18, 2017 in order to receive the group rate
of $219.00 single/double (plus applicable sales taxes). Requests after August
18, 2017 will be accepted on the basis of space availability. The
group guest room rate will be offered three days prior and three days after the
meeting dates subject to availability.
Please note that
hotel rates will go up after the cut-off date or when the meeting room block
sells out, whichever comes first. Make your reservations early to be able to
take advantage of our discounted rates.
Become a Sponsor or Exhibitor
Premier Sponsor and Exhibitor Opportunities Available Now
Connect With Key Prospects This conference is your opportunity to meet group and worksite professionals responsible for actuarial/product development, underwriting, claims, regulation/product filing and/or administration of the following products (through either worksite or retail channels):
accident insurance
critical illness insurance
hospital indemnity plans
individual disability insurance
long-term care/combo products
Sponsorship Opportunities Raise your level of branding with this audience by securing a Sponsorship. Options include:
Multiple conference registrations, which include full access to attendees at breaks and meals
Special recognition in the registration brochure, onsite conference program, onsite signage, and general session walk-in slides
Acknowledgement from the podium
Specialty conference merchandise that will deliver your company name to all attendees
