Students typically struggle most with survival analysis and probability distributions, multi-state models, and applying complex formulas to real-world scenarios under time pressure. The exam requires not just memorizing formulas but deeply understanding how different insurance and annuity products work together—something that takes focused practice. Many test-takers also find the transition from computational problems to conceptual applications challenging, which is where personalized tutoring can help clarify connections between topics.

Most actuarial candidates spend 200–300 hours preparing for LTAM, typically over 3–6 months depending on their background and how much time they can dedicate weekly. If you're balancing work or other responsibilities, spreading study over 6 months with consistent weekly sessions is more effective than cramming. Tutors can help you create a realistic timeline based on your current knowledge gaps and target exam date.

Practice tests reveal which topics you've mastered and which need more work, helping you allocate study time efficiently. They also build familiarity with the exam format, question styles, and timing—critical for managing the pressure of test day. Taking full-length practice exams under timed conditions trains you to pace yourself and identify weak areas before the actual exam, giving you time to address them with targeted review.

The best LTAM tutors have passed the exam themselves and typically hold actuarial credentials (ASA or FSA). They should understand not just the mathematical content but also how to teach test-taking strategy, time management, and the conceptual reasoning that the SOA emphasizes. Varsity Tutors connects you with tutors who have deep expertise in actuarial science and proven success helping students master this challenging exam.

Your first session focuses on assessing your current knowledge, identifying your strongest and weakest topics, and understanding your goals and timeline. Your tutor will review your background in probability and financial mathematics, discuss any previous exam attempts, and create a personalized study plan. This foundation ensures every future session targets your specific needs rather than generic review.

Score improvement depends on your starting point and effort level, but most students who work consistently with a tutor see meaningful gains—often 10–20 percentage points or more. The key is identifying exactly where you're losing points (conceptual gaps, calculation errors, time management, or misunderstanding question wording) and addressing those specific weaknesses. Personalized tutoring accelerates this process by focusing on your unique challenges rather than generic test prep.

Varsity Tutors makes it easy to connect with expert actuarial tutors who understand the LTAM curriculum and exam format. Simply let us know your goals, availability, and preferred learning style, and we'll match you with a tutor who fits your needs. You can start with a single session to see if the fit works, then scale up your tutoring as you prepare for exam day.