Latest / The Demographics Podcast with Fexingo: Aging Populations, Birth Rates, and Economic Impact
How Falling Birth Rates Reshape the Long-Term Care Insurance Industry
This episode of The Demographics Podcast with Fexingo dives into how declining birth rates and aging populations are fundamentally reshaping the long-term care insurance market. Lucas explains why traditional LTC insurance models are breaking down as fewer younger workers pay premiums for a growing pool of claimants. He walks through the specific actuarial math—how the ratio of workers to retirees has shifted from 16-to-1 in 1950 to roughly 3-to-1 today, making premium hikes and policy redesigns inevitable. Luna brings up real-world examples like Genworth's exit from new sales and the…
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