Temporal profitability and pricing of long-term care insurance

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      <subfield code="a">In this study, the authors exploit unique data from  the long-term care (LTC) insurance markets that allow us greater control of heterogenity in observable risk than  in the previous empirical research. While prior empirical work has been limited to the examination of profit measures, the data facilitate investigation of both profitability and pricing for nearly all insurers issuing LTC insurance in the United States. They specifically find that loss ratios, an anverse profit measure, increase with policy age, but at a declining rate</subfield>
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      <subfield code="a">The Journal of risk and insurance</subfield>
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      <subfield code="t">The Journal of risk and insurance</subfield>
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      <subfield code="g">Volume 71, number 4, December 2004 ;  p. 677-705</subfield>
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