LTAM covers complex material including life contingencies, survival models, annuities, insurance products, and pension mathematics—all requiring strong calculus, probability, and financial math foundations. Many test-takers struggle with the breadth of content, the application of formulas to real-world scenarios, and time management during the exam. Focusing on mortality modeling, present value calculations, and practice problems that mirror exam difficulty is critical to building confidence.

Your first session will focus on assessing your current knowledge, identifying gaps in foundational concepts, and understanding your specific challenges—whether that's grasping life contingencies, managing calculations under time pressure, or applying theory to exam-style problems. From there, a tutor will work with you to create a personalized study plan that targets your weak areas and builds toward exam readiness.

Most actuaries dedicate 3-6 months of focused study to LTAM, depending on your background and how much time you can commit weekly. Consistent practice with past exams, working through problem sets, and reviewing theory are essential. Personalized tutoring can accelerate your progress by targeting your specific weaknesses rather than spending time on concepts you've already mastered.

Practice tests reveal exactly where you stand relative to passing standards and help you identify which topics need deeper review. They also build exam stamina, help you refine time management strategies, and reduce test anxiety by familiarizing you with question formats and difficulty levels. Analyzing your practice test performance—not just your score—is where real learning happens.

Look for tutors who have passed LTAM themselves and understand the exam's specific content and question styles. They should be able to explain complex concepts like survival models and life contingencies clearly, help you work through challenging problems efficiently, and provide strategies for managing the exam's time constraints. Varsity Tutors connects you with expert tutors who have deep actuarial knowledge and proven success helping students master this material.

While Memphis has a strong student population across its schools, actuarial exam preparation is specialized—finding a local tutor with LTAM expertise can be challenging. Varsity Tutors makes it easy to connect with experienced actuarial tutors who provide personalized instruction tailored to your learning style and pace, regardless of location. This flexibility ensures you get expert guidance without geographic limitations.

Tutoring costs vary based on the tutor's experience, your preparation timeline, and how frequently you meet. Many students find that investing in tutoring pays off quickly through improved exam performance and reduced retake costs. Varsity Tutors can connect you with tutors at different experience levels to fit your budget while ensuring you get the expertise you need to pass.