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

Certified Tutor
4+ years
Asso Sako
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 ...
Lebanese university
MS

Certified Tutor
6+ years
Mimi
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...
Harvard University
Masters in Education, Education
Dartmouth College
B.A.
Certified Tutor
10+ years
Aaron
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...
The University of Texas at Dallas
Bachelors, Mechanical Engineering
Duke University
Current Grad Student, Mechanical Engineering
Certified Tutor
10+ years
Nina
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 ...
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
Certified Tutor
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...
Harvard University
PHD, Education
Wesleyan University
Bachelor in Arts, Sociology
Certified Tutor
Michelle
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...
Baylor College of Medicine
Current Grad Student, M.D.
Rice University
Bachelor's in Biochemistry and Cell Biology
Certified Tutor
Liz
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 ...
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)
Certified Tutor
Christopher
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...
Harvard College
Bachelor of Science, Mechanical Engineering
Certified Tutor
Charles
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...
Yale University
Bachelor of Science, Mechanical Engineering
Certified Tutor
8+ years
Solange
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...
Harvard University
Bachelor in Arts (Sociology & Women's Studies)
Certified Tutor
9+ years
Justin
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...
Washington University in St. Louis
Bachelor's in Physics and Mathematics
University of Chicago
Doctor of Philosophy, Computational Mathematics
Certified Tutor
9+ years
Henry
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.
Harvard College
Bachelor in Arts, History
Certified Tutor
5+ years
Sabira
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...
Johns Hopkins University
Bachelor of Science, Applied Mathematics
Certified Tutor
6+ years
Ingrid
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...
Northwestern University
Bachelor of Science, Biomedical Engineering
Certified Tutor
9+ years
Isabella
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...
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
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Justin
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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.
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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.
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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
Ingrid
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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.
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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.
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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.
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