Strategic Health Management Corporation

Hersh Markusfeld

Robert Yee

Janet M Soppe

Flexible, varying long term care insurance programs for use as parts of combination long term care products are generated. Input variables such as issue age, targeted present value and year-to-year premium relationship are supplied, as are some members of a set of process variables. A non-supplied process variable is calculated based on the input variables and the supplied process variables. An insurance program based on the supplied variables and the calculated process variable is then generated, such that the premium schedule increases (or alternatively, increases and decreases) over time to at least one leveling point, at which premiums become level. A combination long term care product is produced by coupling the generated insurance program with a life insurance program or annuity.

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Mill Valley, CA, United States of America

Hersh Markusfeld