Most candidates dedicate 3-4 months of focused study to LTAM, with 200-300 hours of preparation time depending on your background in calculus, probability, and financial mathematics. Since LTAM combines complex mortality modeling, life contingencies, and advanced actuarial calculations, a structured study schedule with regular practice problems and mock exams is essential. For students in Toledo, working with a tutor who specializes in actuarial exams can help you identify your weak areas early and optimize your study plan for your specific pace and learning style.

Students typically struggle most with mortality modeling (survival functions and force of mortality), multi-state models, and the application of complex formulas to real-world scenarios. The exam also requires strong proficiency in calculus and probability theory, and many candidates find the transition from theoretical concepts to practical problem-solving the biggest hurdle. Additionally, time management during the exam is critical—you have limited time to work through detailed calculations, so understanding when to use shortcuts versus full solutions is key to improving your score.

A tutor specializing in actuarial exams can break down complex mortality models and life contingencies into manageable concepts, identify gaps in your probability and calculus foundation, and teach you efficient problem-solving strategies specific to LTAM question formats. They can also create a personalized study schedule, provide targeted practice on your weakest topics, and help you develop test-taking strategies like pacing and recognizing question patterns. Regular one-on-one instruction accelerates learning and builds the confidence you need to tackle the exam's challenging multi-part problems under time pressure.

Practice exams are essential—they help you understand the exam format, develop pacing strategies, and identify knowledge gaps before test day. The SOA provides past exam papers and practice problems that closely mirror the actual test, and working through these under timed conditions is one of the most effective ways to improve your score. A tutor can help you review your practice exam results, explain where you went wrong, and teach you how to approach similar problems more efficiently next time.

The LTAM exam is scored on a scale of 0-10, and a passing score is typically 6 or higher—though specific passing thresholds can vary slightly by exam administration. Many employers and actuarial programs prefer scores of 7 or above, which demonstrates strong mastery of the material. Your target score depends on your career goals and competitiveness in the job market, but consistent practice, targeted tutoring for weak areas, and strategic review of past exams will help you achieve a score that meets your professional objectives.

Look for a tutor who has passed the LTAM exam themselves and ideally holds actuarial credentials (ASA, FSA, or equivalent), as they understand the exam's depth and the professional context of the material. They should have teaching experience explaining complex mathematical concepts clearly and be familiar with the SOA's current exam format, syllabus, and past problems. Varsity Tutors connects you with tutors who have proven expertise in actuarial mathematics and a track record of helping students improve their understanding and exam performance.

Your first session typically includes an assessment of your current knowledge in probability, calculus, and any foundational actuarial concepts you've already learned, plus a discussion of your study timeline and score goals. The tutor will ask about your learning style, areas where you've struggled, and your confidence level with different topics to create a personalized study plan. This foundation-setting session helps ensure that subsequent tutoring sessions are focused and efficient, targeting exactly what you need to master LTAM material and succeed on exam day.