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Core Competencies
- Extensive product development and marketing expertise for CII and LTCI
- Product / and market focus on CII and LTCI sold through various distribution sources and marketing approaches
- Software and administrative support for CII and LTCI insurance products
Actuarial Services
- USLB owns a comprehensive set of gender specific population incidence rate tables including rates for over 30 CI conditions.
- USLB has developed a mathematically rigorous methodology, incorporated into a suite of proprietary computer programs for translating population incidence rates into incidence rates appropriate for pricing CII.
- USLB’s strategic alliance with SHM provides for a proprietary (patent-pending) pricing methodology to address innovative product design and affordable pricing.
Marketing Services
- USLB continuously researches the US and international CII marketplace for new products, studies, and marketing information to keep a pulse on new developments for individual, worksite, and group markets.
- USLB provides marketing consultation to new companies entering the CII marketplace, as well as a competitive analysis for existing CII carriers to better position and compete in their markets.
Training Services
- USLB offers producer seminars to provide product knowledge and sales skills essential for CII mastery.
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