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Asso Sako
Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
Asso
MS Lebanese university
4+ Years Tutoring

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 all flow from the same core principles. His quantitative training across two graduate degrees gives him the mathematical depth to clarify the exam's most complex multi-decrement and multi-state problems.

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Mimi
Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
Mimi
MS Harvard University • BA Dartmouth College
6+ Years Tutoring

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 subjects, I take a creative, inquiry-based and learner-centered approach, designing opportunities for each unique individual to meet their learning goals.

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Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
Aaron
BA The University of Texas at Dallas • Current Grad Student, Mechanical Engineering Duke University
10+ Years Tutoring

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 electronics, playing Pokemon, or picking at my guitar.

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Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
Nina
MS Columbia University • BA Northwestern University
10+ Years Tutoring

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 at Columbia University in my department and also have tutored graduate students and undergraduates privately as well. My primary areas of tutoring are math and statistics coursework in addition to math sections on standardized tests such as the GRE and GMAT. I am very passionate about helping students feel more confident and excited about math. In my spare time, I enjoy running, playing piano, and spending time with friends and family.

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Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
Reid
PhD Harvard University • BA Wesleyan University
1+ Years Tutoring

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 towards passing the US Citizenship Exam and taught English in India, where I lived for six months. Whenever I work with a student I personalize the lessons to fit their particular learning style, since I know every student is unique and having the right fit can make all the difference in making learning fun and effective. My strengths are tutoring the social sciences and humanities, as well as making math and standardized tests approachable to students that normally don't like those subjects. In my spare time I like traveling, spending time in the outdoors (climbing & backpacking), meditation, and playing soccer. Next fall I will be beginning my PhD in Education at Harvard University.

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Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
Charles
BA Yale University
1+ Years Tutoring

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 describe my tutoring style as one that adapts to each students' needs. For example, I have always tried to frame questions in a different way so that the student can better understand the question. Some students need visual representations of numbers and systems to understand them, and others benefit more by understanding the concepts behind each formula. I prefer to tutor in math and physics, and especially with real world application problems. I hope to help students improve their standardized test scores and their understanding of the math and sciences so that they can achieve their academic goals!

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Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
Christopher
BA Harvard College
1+ Years Tutoring

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 tutor for both Math and Spanish programs in high school and enjoyed the strides I made with students. I am willing to tutor any subject I have a background in, but am strong in mathematics, the sciences, Spanish, history, writing, and ACT prep. I enjoy teaching mathematics most due to the joy I can see in children once they master a topic and can answer even pointed questions meant to stump them, and maybe even put their knowledge to real world use. As a tutor, I like to give a strong foundation to orient my student, and then gradually grant them more freedom and independence until they can feel themselves grasp the concept, pointing out pitfalls or common errors along the way; teachers who used these methods on me always left the most lasting impressions. Outside of my studies, I really enjoy listening to music, both old favorites and new interests, reading classics, and gaming/playing basketball with my friends.

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Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
Michelle
MD Baylor College of Medicine • BA Rice University
1+ Years Tutoring

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 Medicine.

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Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
Liz
MS Simmons College • BA Washington University in St. Louis
1+ Years Tutoring

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 my Masters in Mild to Moderate Disabilities from Simmons College. I have worked extensively with students with a range of abilities, including students with specific learning disabilities, emotional impairments, dyslexia, and ADHD. My teaching experience has given me a deep understanding of the knowledge and habits essential to academic success and has given me the opportunity to hone a variety of strategies that ensure students at each level can achieve their academic goals. While I tutor a broad range of subjects, my favorite ones are Reading, Elementary/Middle School Math, History, and Test Prep. In my experience, tutoring is the most rewarding when a student has that "aha!" moment and achieves a new level of understanding and confidence in his/her abilities. I am a firm believer in the transformative power of education, and I see my role to be that of a facilitator and coach who is there to help the student reach his/her goals through individualized support and rigorous practice. In my free time, I enjoy reading, running, practicing my Spanish, and discovering new music. I am also an avid traveler and just got back from a 3 month trip to South America. I look forward to the opportunity to work with you!

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Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
Solange
BA Harvard University
8+ Years Tutoring

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 campus); social sciences; and literature/writing.

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Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
Justin
BA Washington University in St. Louis • Doctor of Philosophy, Computational Mathematics University of Chicago
9+ Years Tutoring

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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Certified Exam LTAM - Long-Term Actuarial Mathematics Tutor
James
BA Harvard University
1+ Years Tutoring

I am currently a senior at Harvard College where I study chemistry, and I'll be attending Columbia Medical School next year. I have years of experience tutoring college students in math (mostly calculus) and chemistry including both general and organic chemistry. In addition, I am very familiar with all sections of the SAT and ACT having prepared several high school students for these tests. I believe that every student is capable of boosting his or her baseline score on these tests, so long as he or she works hard to get to know the format of the tests and the most popular types of questions. I tutor because I love seeing students develop a genuine passion for the subjects they once disliked (such as math and science), once they understand the power of these subjects and their applications to the real world.

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Worked with an Exam LTAM - Long-Term Actuarial Mathematics Tutor

Heejin has been very patient with me. I work a full time job sometimes even on the weekends. It has been a slow process with my Korean classes, but Heejin has been wonderful and patient.

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Worked with an Exam LTAM - Long-Term Actuarial Mathematics Tutor

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Worked with an Exam LTAM - Long-Term Actuarial Mathematics Tutor

I've been working with my tutor for a few months now and the progress has been remarkable. The personalized attention and tailored lessons made all the difference compared to in-classroom learning.

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Worked with an Exam LTAM - Long-Term Actuarial Mathematics Tutor

The flexibility of scheduling combined with the quality of instruction is unmatched. I can get help exactly when I need it, whether that's late at night or early in the morning before a test.

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Worked with an Exam LTAM - Long-Term Actuarial Mathematics Tutor

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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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