Evolution of Long-Term Care Insurance: History, Mistakes, and Looking Ahead with Jim Glickman

In this episode of Voices of LTCI, we sit down with Jim Glickman: actuary, reinsurer, and one of the original builders of the long-term care insurance industry. If you’ve ever attended the ILTCI Conference, you have Jim to thank — he helped launch it.

We talk about how he got pulled into LTCI in the early ’80s, how he helped create LifeCare Assurance, and why his unique model still stands out today. Jim also breaks down the biggest lessons the industry has learned (and still needs to learn), from underwriting to rate stabilization to getting group LTCI right.

You’ll hear:

✅ How the ILTCI conference got started (and almost didn’t)

✅ What the industry got wrong about pricing and policy lapses

✅ Why group LTCI is making a comeback

✅ What it really takes to build a long-term care insurance product that lasts

✅ How collaboration (not secrecy) became one of LTCI’s biggest strengths

🎧 Listen now, and don’t forget to follow Voices of LTCI for more conversations with the boldest minds in aging and insurance.