LTAM combines heavy calculus, probability theory, and actuarial-specific concepts like mortality modeling and present value calculations—all under strict time pressure. Many students struggle with translating word problems into mathematical models or managing the computational complexity within the exam timeframe. Personalized 1-on-1 instruction helps you identify which topics (survival functions, annuities, insurance values) are causing bottlenecks, develop efficient problem-solving strategies, and build confidence through targeted practice on your weakest areas.

Most actuarial candidates spend 3–4 months preparing for LTAM, dedicating 10–15 hours per week to study, though this varies based on your math background and prior exam success. If you're balancing work or other commitments, spreading preparation over 5–6 months with consistent weekly tutoring sessions can help you retain material more effectively. A tutor can help you create a realistic study schedule, identify which topics need more focus, and adjust your timeline based on practice test performance.

Your initial session focuses on understanding your current level, goals, and specific pain points—whether that's survival functions, annuity calculations, or exam pacing. A tutor will likely review your background in calculus and probability, assess which LTAM topics feel most unfamiliar, and discuss your target score and timeline. From there, you'll develop a customized study plan that prioritizes high-impact topics and incorporates practice problems tailored to your learning style.

Practice tests are essential for LTAM prep because they reveal gaps in your knowledge, help you develop time-management skills under exam conditions, and build test-taking confidence. The Society of Actuaries (SOA) provides official practice problems and past exams, which should be your primary study resource. A tutor can help you analyze your practice test results, identify patterns in mistakes (conceptual vs. computational), and develop strategies for the sections where you consistently lose points or time.

Students often struggle with survival analysis and life table calculations, complex annuity valuations (especially for non-standard payment patterns), and translating insurance contracts into mathematical notation. Time management is another major challenge—many candidates run out of time on computational problems or get stuck on a single question. Working with a tutor, you can tackle these areas systematically, practice efficient calculation methods, and learn to recognize question types quickly so you allocate time wisely during the exam.

Look for tutors who have passed LTAM themselves (or higher-level actuarial exams) and have experience teaching the specific topics covered—mortality modeling, present value calculations, and insurance mathematics. It's also valuable if they understand the SOA's exam format and have worked with multiple students, so they can anticipate common mistakes and explain concepts in different ways. Varsity Tutors connects you with expert tutors in Philadelphia who have proven actuarial expertise and a track record of helping students succeed on LTAM.

Philadelphia has a strong actuarial presence with local chapters of professional organizations like the Actuarial Society of Philadelphia and the Society of Actuaries, which often host study groups, webinars, and networking events. Many local universities and colleges also offer actuarial science programs where you might find study partners or peer tutors. Combining personalized tutoring with these community resources—plus official SOA materials—creates a well-rounded preparation strategy that keeps you motivated and connected to other candidates in your area.