The Actuarial Department develops appropriate premiums, dividends, reserves, and surplus requirements by analyzing mortality, morbidity, persistency, investment and expense experience, striving to maintain equity and consistency among all policy owner underwriting classes, while safeguarding the Company's long term financial strength. This role works with innovations in the long-term care product suite, including death benefit acceleration riders and our new life/long-term care hybrid insurance product, Long-Term Advantage.