Description: This article provides an overview of critical illness insurance: history, product description, and the three primary ways to offer critical illness coverage in the United States. This article also contains an illustration of an issue age premium rate calculation, as well as product features and rating applications specific to the various types of critical illness coverage.

Description: This article discusses considerations for statistical biases that may arise in LTC blocks due to historical benefit reductions. The article explores these biases in the context of experience studies and experience projections.