Award-Winning Actuarial Exam LTAM
Tutors
Who needs tutoring?
FEATURED BY
TUTORS FROM
- YaleUniversity
- PrincetonUniversity
- StanfordUniversity
- CornellUniversity
Award-Winning Actuarial Exam LTAM Tutors

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
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
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
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
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
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
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
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
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
Certified Tutor
James
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...
Harvard University
Bachelor in Arts, Chemistry
Certified Tutor
Justin
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 en...
University of Chicago
Bachelor of Arts in Philosophy
University of New Mexico-Main Campus
Current Grad Student, Philosophy
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
Top 20 Test Prep Subjects
Meet Varsity Tutors Experts
Connect with highly-rated educators ready to help you succeed.
Henry
Calculus Tutor • +41 Subjects
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.
Isabella
Pre-Algebra Tutor • +27 Subjects
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 the college level. I have also taught at summer programs for gifted middle school and high school students. I am passionate about tutoring kids in math and science because I think that a strong foundation in STEM at an early age can set the tone for their future. In my spare time I like to engage in athletics, and was a Division 1 rower in college. Hobbies: reading, swimming, writing, books, music, running, art
James
AP Calculus AB Tutor • +40 Subjects
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.
Justin
Calculus Tutor • +38 Subjects
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.
Sabira
Middle School Math Tutor • +35 Subjects
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
Andrew
Pre-Algebra Tutor • +26 Subjects
I am comfortable tutoring math subjects up to multivariable calculus and differential equations, as well as college physics. Hobbies: books, music, art, reading, writing
Elena
Calculus Tutor • +31 Subjects
I am a graduate of McGill University (BA First Class Honors) and the University of Edinburgh (MSc First Class Honors with Distinction) with over eight years of tutoring experience. I am currently a curriculum developer for a company which creates relatable and culturally-literate courses for middle and high-schools, and am particularly adept at communicating and explaining concepts in a quirky, engaging, and intelligent manner. I was named Scotland International Young Thinker of the Year 2014 for exactly that sort of work. Much of my tutoring background is in test-prep and essay coaching, which I enjoy because it allows the tutor and student to think strategically together, and work as a team to achieve concrete results. I have worked with students ranging in age from 6-32, and believe that, in an educational context, a few jokes never hurt anybody. I love reading and learning, and my educational approach is centered around making the material just as engaging to students as it is to me. I think J.K. Rowlings, the writer of Harry Potter, is just as brilliant as Stephen Hawking, and in my free time, I manage my (terrible) fantasy baseball team, write songs for my comedy band, and crack jokes about terrible science-fiction movies with my friends.
Asta
Pre-Algebra Tutor • +73 Subjects
I am a graduate of the University of Chicago where I received my undergraduate degree in political science. Right after graduation, I worked as an academic and test prep tutor as well as admissions consultant in Hong Kong. For the past two years, I worked with a number of students to help prepare them for college in the United States.
Daniel
Pre-Algebra Tutor • +26 Subjects
I am excited to be home and help fellow straphangers on their educational paths! My largest wealth of tutoring experience is in foreign languages--particularly French--but I also feel very comfortable editing essays of any kind and working through standardized test concepts. My availability is extremely flexible, and anywhere in New York City works for me. I look forward to working with you.
Ingrid
Pre-Algebra Tutor • +51 Subjects
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.
Top 20 Subjects
Frequently Asked Questions
Students preparing for LTAM most commonly struggle with multi-state modeling and the transition probability calculations that underpin it. The exam's heavy emphasis on Markov chains, especially when applied to complex life contingency scenarios with multiple decrements, requires both conceptual understanding and computational precision. Additionally, the interaction between survival analysis and actuarial present value calculations—particularly when working with non-integer durations and select mortality tables—trips up many candidates who haven't internalized how these concepts connect.
Most candidates spend 200–300 hours preparing for LTAM, typically over 3–4 months of consistent study. A realistic schedule involves dedicating 15–20 hours per week, with roughly 40% of time on conceptual learning (reading study manuals and working through examples), 40% on problem-solving and past exam questions, and 20% on timed practice exams and weak-area reinforcement. The key is front-loading your study with foundational topics like survival models and commutation functions before moving to more complex applications like multiple decrements and pension mathematics.
A strong LTAM tutor needs deep expertise in survival analysis, life contingency mathematics, and the specific SOA/CAS exam format—not just general actuarial knowledge. They should be able to quickly diagnose whether a student's errors stem from conceptual misunderstanding (e.g., confusing force of mortality with survival probability) or computational mistakes, and adapt explanations accordingly. Experience with the exam's notation-heavy questions and the ability to teach efficient problem-solving strategies for time-constrained scenarios is essential, as is familiarity with common student misconceptions around pension calculations and multi-decrement models.
LTAM notation is intentionally dense, but tutors help students build a systematic approach: organizing formulas by concept (survival models, commutation functions, present values) rather than memorizing them in isolation, and creating annotated formula sheets that explain what each symbol means in plain English. Many students benefit from working through problems where they first write out the formula with definitions, then substitute values—this reinforces the meaning rather than just plugging numbers in. Tutors can also teach you to recognize common notation patterns (like how subscripts and superscripts signal different assumptions) so unfamiliar variations on exam day feel less intimidating.
Effective LTAM exam practice follows a three-phase approach: first, take untimed practice problems by topic to build confidence in specific areas; second, take full-length practice exams under timed conditions (3 hours) to develop pacing and identify weak spots; third, review every question you missed or found difficult, understanding not just the correct answer but why the wrong answers are tempting. A tutor can help you analyze patterns in your mistakes—whether you're rushing through setup, making algebraic errors, or misinterpreting question wording—and adjust your strategy accordingly rather than just grinding through more problems.
LTAM's 3-hour window typically includes 35–40 questions of varying difficulty, so a sustainable pace is roughly 4–5 minutes per question on average. However, the exam isn't uniformly difficult: spending 2–3 minutes on straightforward survival model calculations frees up time for multi-part pension or multiple-decrement problems that may need 7–8 minutes. Tutors teach students to scan the exam first, identify which questions play to their strengths, and tackle those early to build confidence and secure points, then allocate remaining time to harder problems rather than getting stuck and losing momentum.
Start by categorizing your practice exam mistakes: Did you miss questions on select mortality tables, pension mathematics, or multi-state models? Were errors due to conceptual gaps or careless mistakes? A tutor helps you isolate the root cause—for example, if you're struggling with pension present value calculations, the issue might be unclear on how to handle different payment frequencies or how to apply the correct interest rate assumption. Once you've pinpointed weak areas, focused tutoring on those topics, combined with targeted practice problems and timed drills, is far more efficient than re-studying material you already know well.
Score improvement on LTAM depends heavily on your starting point and study consistency. Students who begin with foundational gaps (struggling with basic survival models or commutation functions) often see 10–15 percentage point improvements with focused tutoring over 8–12 weeks, as tutors help them build conceptual understanding and eliminate recurring errors. Students closer to passing may see smaller but meaningful gains (5–10 points) by refining problem-solving efficiency, managing test anxiety, and mastering tricky question formats. Consistent practice between tutoring sessions is critical—tutoring accelerates learning, but it can't replace the time you need to internalize formulas and work through problems independently.
Connect with Actuarial Exam LTAM Tutors
Get matched with expert tutors in your subject


