Award-Winning Exam LTAM - Long-Term Actuarial Mathematics Tutors

America's #1 Tutoring Platform

Who needs tutoring?

FOXNBCCBSUS NewsTIMEUSA Today

TUTORS FROM

  • YaleUniversity
  • PrincetonUniversity
  • StanfordUniversity
  • CornellUniversity

Award-Winning Exam LTAM - Long-Term Actuarial Mathematics Tutors

Asso Sako

Certified Tutor

4+ years

Asso Sako

MS
Asso's other Tutor Subjects
Exam SRM - Statistics for Risk Modeling
Exam STAM - Short-Term Actuarial Mathematics
Exam LTAM - Long-Term Actuarial Mathematics

LTAM's blend of survival models, life contingencies, and pension mathematics makes it one of the most demanding SOA exams. Asso tackles it by connecting the written-answer and multiple-choice portions to a unified framework — showing how net premium reserves, Markov chain models, and profit testing ...

Education

Lebanese university

MS

Mimi

Certified Tutor

6+ years

Mimi

Masters in Education, Education
Mimi's other Tutor Subjects
Middle School Math
Calculus
Algebra
Elementary School Math

I am an interdisciplinary educator with an Ed.M. from the Harvard Graduate School of Education and a B.A. from Dartmouth College. My background is primarily in integrated arts learning and museum education and I specialize in visual arts, history and art history, and object-based learning. In all su...

Education

Harvard University

Masters in Education, Education

Dartmouth College

B.A.

Test Scores
SAT
1560

Certified Tutor

10+ years

Aaron

Current Grad Student, Mechanical Engineering
Aaron's other Tutor Subjects
Pre-Algebra
Calculus 2
Calculus
Algebra

I'm not tutoring or buried in my textbooks, you will either find me rock climbing at the Triangle Rock Club, playing Ultimate Frisbee, working on my car, or enjoying the great outdoors (beaches, mountains, forests--you name it, I love it). On rainy weekends I enjoy tinkering with computers and old e...

Education

The University of Texas at Dallas

Bachelors, Mechanical Engineering

Duke University

Current Grad Student, Mechanical Engineering

Test Scores
SAT
1530

Certified Tutor

10+ years

Nina

Masters in biostatistics
Nina's other Tutor Subjects
Statistics Graduate Level
Statistics
Calculus
Algebra

I am a recent graduate from a masters program in biostatistics at Columbia University. I received my Bachelor of Arts in biological sciences, with a focus in neurobiology at Northwestern University. In August, I will be starting a doctoral program in biostatistics at NYU. I was a teaching assistant ...

Education

Columbia University

Masters in biostatistics

Northwestern University

Bachelor of Arts in biological sciences (focus in neurobiology)

Columbia University in the City of New York

Current Grad Student, Biostatistics

Test Scores
SAT
1550

Certified Tutor

Reid

PHD, Education
Reid's other Tutor Subjects
Pre-Algebra
Middle School Math
Calculus
Algebra

I am a graduate of Wesleyan University, where I received my Bachelor of Arts in Sociology with High Honors. With eight years of experience working in education, I've tutored students in math, science, history, and English, as well as helped students prepare for standardized tests. I've guided adults...

Education

Harvard University

PHD, Education

Wesleyan University

Bachelor in Arts, Sociology

Test Scores
ACT
32

Certified Tutor

Michelle

Current Grad Student, M.D.
Michelle's other Tutor Subjects
Pre-Algebra
Pre-Calculus
Geometry
Calculus

I am proud to be a part of Varsity Tutors! I am originally from San Antonio, TX; I completed my undergraduate education at Rice University in Houston where I received a bachelor's degree in Biochemistry and Cell Biology. Currently, I am in my second year of medical school at Baylor College of Medici...

Education

Baylor College of Medicine

Current Grad Student, M.D.

Rice University

Bachelor's in Biochemistry and Cell Biology

Test Scores
SAT
1570

Certified Tutor

Liz

Masters, Special Education: Mild to Moderate Disabilities 5-12
Liz's other Tutor Subjects
Pre-Algebra
Middle School Math
Calculus
Algebra

I am a graduate of Washington University in St Louis, where I received my Bachelor of Arts in History with minors in Humanities and Anthropology. Since graduation, I have worked as a tutor, teacher, and director of tutors at a charter public middle school in Boston. During this time I also received ...

Education

Simmons College

Masters, Special Education: Mild to Moderate Disabilities 5-12

Washington University in St. Louis

Bachelor of Arts in History (minors in Humanities and Anthropology)

Test Scores
ACT
34

Certified Tutor

Christopher

Bachelor of Science, Mechanical Engineering
Christopher's other Tutor Subjects
AP Calculus AB
College Algebra
Algebra 3/4
Trigonometry

I am a rising sophomore at Harvard College and am about to declare as a Mechanical Engineering concentrator, working towards a Bachelor of Science degree. I've always enjoyed sharing my knowledge with my peers and those around me and have done so in both formal and informal settings. I've been a tut...

Education

Harvard College

Bachelor of Science, Mechanical Engineering

Test Scores
ACT
35

Certified Tutor

Charles

Bachelor of Science, Mechanical Engineering
Charles's other Tutor Subjects
AP Calculus AB
Pre-Algebra
Algebra 3/4
Trigonometry

I am a junior Mechanical Engineering major at Yale, and I hope to become a Naval Aviator after college. I am also a varsity sailor, and enjoy playing music with friends when I can get some free time. I have been tutoring my fellow students throughout my entire academic career, and I would best descr...

Education

Yale University

Bachelor of Science, Mechanical Engineering

Test Scores
SAT
1440
ACT
34

Certified Tutor

8+ years

Solange

Bachelor in Arts (Sociology & Women's Studies)
Solange's other Tutor Subjects
Calculus
Algebra
ACT Writing
Public Speaking

I'm Solange - a recent graduate from Harvard where I studied Sociology & Women's Studies. I've been tutoring for eight years now, and have worked with a wide range of ages and in a wide range of subjects. Some of my specialties are college prep/test taking II worked in the admissions office on campu...

Education

Harvard University

Bachelor in Arts (Sociology & Women's Studies)

Test Scores
ACT
34

Certified Tutor

9+ years

Justin

Doctor of Philosophy, Computational Mathematics
Justin's other Tutor Subjects
AP Calculus BC
AP Calculus AB
Pre-Algebra
Multivariable Calculus

I am an aspiring applied mathematician, with particular interest in image processing and climate science. I graduated in May 2017 from Washington University in St. Louis with a bachelor's in physics and mathematics, and am beginning a PhD program in September 2017 at the University of Chicago in Com...

Education

Washington University in St. Louis

Bachelor's in Physics and Mathematics

University of Chicago

Doctor of Philosophy, Computational Mathematics

Test Scores
SAT
1560
ACT
33

Certified Tutor

9+ years

Henry

Bachelor in Arts, History
Henry's other Tutor Subjects
Calculus
Algebra
AP Environmental Science
PSAT Writing Skills

I'm eager to help you in your education. I'm a recent graduate of Harvard College looking to apply to law school. My senior thesis was written on John Dewey's ideas of education, which I deeply believe has incredible power to transform individuals and society.

Education

Harvard College

Bachelor in Arts, History

Test Scores
SAT
1530

Certified Tutor

5+ years

Sabira

Bachelor of Science, Applied Mathematics
Sabira's other Tutor Subjects
Middle School Math
Calculus
Algebra
Elementary School Math

I am currently attending Johns Hopkins University, pursuing a dual degree in Computer Science and Applied Math and Statistics. I love helping students and I love the feeling I get knowing that I was able to use my knowledge to make someone else happier. My favorite subject to teach is math because t...

Education

Johns Hopkins University

Bachelor of Science, Applied Mathematics

Test Scores
SAT
1510

Certified Tutor

6+ years

Ingrid

Bachelor of Science, Biomedical Engineering
Ingrid's other Tutor Subjects
Pre-Algebra
Finite Mathematics
Trigonometry
Statistics

I am exploring my creativity by pursuing a double major in Asian Languages and Cultures with a focus in Korean, studying abroad in South Korea as a Benjamin A. Gilman Scholar, leading workshops that teach 3D printing and CAD for undergraduate students as the president of 3D4E, advocating for the fir...

Education

Northwestern University

Bachelor of Science, Biomedical Engineering

Test Scores
SAT
1540
ACT
33

Certified Tutor

9+ years

Isabella

Current Grad Student, Operations Research
Isabella's other Tutor Subjects
Pre-Algebra
Middle School Math
Geometry
Calculus

I am a graduate of MIT. I received my Bachelor of Science in Mathematics with minors in Management Science and Ancient and Medieval Studies. Since graduation, I have started my PhD at Georgia Tech in Operations Research. Throughout my career I have TA'd several math and computer science courses at t...

Education

Massachusetts Institute of Technology

Bachelor of Science in Mathematics (minors in Management Science and Ancient and Medieval Studies)

Georgia Institute of Technology-Main Campus

Current Grad Student, Operations Research

Test Scores
SAT
1510

Meet Varsity Tutors Experts

Connect with highly-rated educators ready to help you succeed.

Justin

AP Calculus BC Tutor • +48 Subjects

I am an aspiring applied mathematician, with particular interest in image processing and climate science. I graduated in May 2017 from Washington University in St. Louis with a bachelor's in physics and mathematics, and am beginning a PhD program in September 2017 at the University of Chicago in Computational and Applied Mathematics. I've tutored introductory physics students for three years and enjoyed it thoroughly, as a chance to help other students while revisiting fundamental concepts to enhance my own knowledge. I'm eager to continue reaching out and helping students of math and physics to succeed and, furthermore, to appreciate the beauty and power of these subjects.

View Profile

Henry

Calculus Tutor • +41 Subjects

I'm eager to help you in your education. I'm a recent graduate of Harvard College looking to apply to law school. My senior thesis was written on John Dewey's ideas of education, which I deeply believe has incredible power to transform individuals and society.

View Profile

Sabira

Middle School Math Tutor • +35 Subjects

I am currently attending Johns Hopkins University, pursuing a dual degree in Computer Science and Applied Math and Statistics. I love helping students and I love the feeling I get knowing that I was able to use my knowledge to make someone else happier. My favorite subject to teach is math because there are so many ways to learn it and if one way does not help I can use another. I used to teach taekwondo and interacted with all kinds of students, and I'm excited to help out more! Hobbies: books, reading, music, writing, art

View Profile

Ingrid

Pre-Algebra Tutor • +51 Subjects

I am exploring my creativity by pursuing a double major in Asian Languages and Cultures with a focus in Korean, studying abroad in South Korea as a Benjamin A. Gilman Scholar, leading workshops that teach 3D printing and CAD for undergraduate students as the president of 3D4E, advocating for the first-generation and low-income student community as the Outreach Chair of the Quest+ Scholars Network, and getting involved with the Society of Women Engineers' outreach committee. I currently hold a work-study position as an administrative clerical aide in the Institute of Sustainability and Energy at Northwestern and was an undergraduate researcher in the John Rogers Lab. As I look forward with aspirations of applying to graduate school, areas of research in biomedical engineering and biotechnology that I am particularly interested in include biomaterials, pharmaceuticals, and drug delivery systems. Outside of the classroom, I enjoy learning on my own and sharing my experience and knowledge with my peers and other students. I hope to make use of my experiences with academics and learning in high school and so far in my undergraduate career in order to effectively tutor students who may be experiencing the same struggles in learning that I also experienced.

View Profile

Isabella

Pre-Algebra Tutor • +27 Subjects

I am a graduate of MIT. I received my Bachelor of Science in Mathematics with minors in Management Science and Ancient and Medieval Studies. Since graduation, I have started my PhD at Georgia Tech in Operations Research. Throughout my career I have TA'd several math and computer science courses at the college level. I have also taught at summer programs for gifted middle school and high school students. I am passionate about tutoring kids in math and science because I think that a strong foundation in STEM at an early age can set the tone for their future. In my spare time I like to engage in athletics, and was a Division 1 rower in college. Hobbies: reading, swimming, writing, books, music, running, art

View Profile

Asta

Pre-Algebra Tutor • +73 Subjects

I am a graduate of the University of Chicago where I received my undergraduate degree in political science. Right after graduation, I worked as an academic and test prep tutor as well as admissions consultant in Hong Kong. For the past two years, I worked with a number of students to help prepare them for college in the United States.

View Profile

Andrew

Pre-Algebra Tutor • +26 Subjects

I am comfortable tutoring math subjects up to multivariable calculus and differential equations, as well as college physics. Hobbies: books, music, art, reading, writing

View Profile

Elena

Calculus Tutor • +31 Subjects

I am a graduate of McGill University (BA First Class Honors) and the University of Edinburgh (MSc First Class Honors with Distinction) with over eight years of tutoring experience. I am currently a curriculum developer for a company which creates relatable and culturally-literate courses for middle and high-schools, and am particularly adept at communicating and explaining concepts in a quirky, engaging, and intelligent manner. I was named Scotland International Young Thinker of the Year 2014 for exactly that sort of work. Much of my tutoring background is in test-prep and essay coaching, which I enjoy because it allows the tutor and student to think strategically together, and work as a team to achieve concrete results. I have worked with students ranging in age from 6-32, and believe that, in an educational context, a few jokes never hurt anybody. I love reading and learning, and my educational approach is centered around making the material just as engaging to students as it is to me. I think J.K. Rowlings, the writer of Harry Potter, is just as brilliant as Stephen Hawking, and in my free time, I manage my (terrible) fantasy baseball team, write songs for my comedy band, and crack jokes about terrible science-fiction movies with my friends.

View Profile

Justin

Calculus Tutor • +38 Subjects

I am a graduate of the University of Chicago where I received my Bachelor of Arts in Philosophy. Currently, I am in the master's program at the University of New Mexico where I am continuing my education in philosophy. Ultimately, I hope to go on to earn a PhD in Philosophy so that I can continue engaging in my passions for learning and teaching. While in school, I have spent countless hours coaching high school speech and debate both in person and working online with students across the country. My focus in coaching has been to emphasize philosophy and critical thought to prepare students to think through novel arguments on their own. I am passionate about teaching and tutoring because I love seeing students learn to be intellectually independent and think through problems on their own terms by developing their critical thinking skills. I have devoted my life to education because I am passionate about it, and I try to share some of my passion for learning with the students I work with. I tutor all sorts of Standardized Tests, and I particularly enjoy working on logic-based problems like analogies and math sections. When I am not tutoring or reading for school, I enjoy strategy games (both board games and video games), listening to music, hiking, playing basketball, and just relaxing with friends.

View Profile

Daniel

Pre-Algebra Tutor • +26 Subjects

I am excited to be home and help fellow straphangers on their educational paths! My largest wealth of tutoring experience is in foreign languages--particularly French--but I also feel very comfortable editing essays of any kind and working through standardized test concepts. My availability is extremely flexible, and anywhere in New York City works for me. I look forward to working with you.

View Profile

Frequently Asked Questions

Students typically find the transition from Exam FM concepts to more advanced actuarial mathematics challenging, particularly in areas like survival analysis, force of mortality, and the relationships between different life table functions. Multi-state models and their applications to insurance products also trip up many candidates because they require both conceptual understanding and precise calculation. Additionally, the integration of financial mathematics with mortality assumptions—especially when deriving present values of life contingencies—demands strong foundational skills that many students need to reinforce.

Rather than memorizing formulas, a skilled tutor helps you see how survival probabilities, force of mortality, and annuity calculations connect to real insurance problems. For example, understanding why the present value of a life annuity depends on both discount rates and mortality risk—and how these interact—makes the formulas meaningful instead of arbitrary. Tutors also help you work through derivations step-by-step, showing you where each formula comes from and how to adapt it when exam questions present variations or unfamiliar scenarios.

Expert tutors guide you through identifying what type of problem you're facing—whether it's a pure survival analysis question, a life contingency calculation, or a multi-state model application—so you can select the right approach before diving into calculations. They teach you to sketch out the timeline of cash flows, clearly define your assumptions about mortality and interest rates, and break complex multi-step problems into manageable pieces. This structured approach reduces calculation errors and helps you recognize patterns across different problem types, which is essential for managing the exam's time pressure.

Exam LTAM requires both speed and accuracy with calculations involving life tables, annuity factors, and present values—often with multiple steps and decimal precision. A tutor helps you practice working through full problems under timed conditions, identifying where you're losing time and which calculation shortcuts are safe versus risky. They also help you develop strategies for checking your work efficiently and knowing when a calculator approach versus a conceptual shortcut makes sense, so you can manage the exam's scope without burning out on tedious arithmetic.

LTAM uses dense actuarial notation—subscripts, superscripts, and special symbols like the circle notation for annuities—that can feel overwhelming at first. A tutor breaks this notation into digestible pieces, showing you that each symbol carries specific meaning about timing, mortality assumptions, and payment patterns. By practicing notation in context (working actual problems rather than memorizing symbols in isolation), you'll internalize what each symbol means and stop getting tripped up by variations like the difference between a̅ₓ and ä̅ₓ.

Multi-state models are abstract and require you to think about transitions between states (alive, disabled, dead, etc.) and calculate probabilities and present values across those transitions. Tutors often start with simple two-state models (like traditional mortality) before building to more complex scenarios, and they use diagrams to visualize state transitions so you can see the logic before tackling the math. This visual-to-algebraic progression helps you understand why certain formulas apply in specific situations and builds confidence for exam questions that describe unfamiliar state structures.

The BA II Plus calculator is standard for LTAM, and you need to be fluent with its financial functions (NPV, IRR, TVM solver) as well as basic statistical functions for working with life tables and survival probabilities. A tutor can show you efficient workflows for common LTAM calculations—like setting up annuity factor computations or working with survival probabilities—so you're not fumbling during the exam. Practice with the calculator under timed conditions also helps you avoid input errors and know when mental math or estimation is faster than calculator entry.

If you're struggling with time value of money calculations, annuity formulas, or the relationship between present and future values, you likely need to refresh those Exam FM foundations before diving deep into LTAM. A tutor can quickly assess whether gaps in financial mathematics are holding you back or if your challenge is truly the actuarial-specific material. Often, a focused review of FM concepts—especially how interest rates affect present values—combined with LTAM-specific instruction is the fastest path to exam readiness.

Connect with Exam LTAM - Long-Term Actuarial Mathematics Tutors

Get matched with expert tutors in your subject