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The pattern will continue for long-term care insurers through 2019, with many boosting reserves by at least ten percent, Fitch Ratings said in a recent report. Some insurers have been reviewing assumptions they made when writing policies many years ago, when life expectancies were shorter and health care expenses were lower. Premiums they initially set have not been enough to cover claims from customers who live well into their 80s or 90s and require increasingly expensive care in nursing homes or their own homes.

“The good news is that we’re living longer and the bad news is that we’re living longer,” said Michael Frank, an actuary and president of Aquarius Capital, a consultancy in Port Chester, New York, “Long-term care insurers are dealing with multiple crises.”, In August, Prudential Financial Inc (PRU.N) said it was boosting long-term care reserves by $1.5 billion, a move that analysts said could be a harbinger for dual black white knot cufflinks others, At issue was an assumption about so-called “morbidity improvement,” a term that actuaries use to describe people becoming healthier and needing less long-term care in the future..

Some state regulators allow insurers to predict brighter outcomes, thereby lessening reserves, but others, including New York, forbid that assumption, industry and regulatory sources told Reuters. “This is a hot-button item in the world of long-term care insurance,” said Fred Andersen, who leads a National Association of Insurance Commissioners group examining morbidity improvement assumptions, along with other factors that affect reserves and premiums. Prudential stopped selling long-term care insurance in 2012, but still faces substantial costs from old policies. The insurer no longer considers morbidity improvement when calculating long-term care reserves, Chief Financial Officer Robert Falzon told analysts in August.

BRUSSELS (Reuters) - Belgium said on Thursday it had chosen Lockheed Martin’s (LMT.N) F-35 stealth jets over the Eurofighter Typhoon to replace its aging F-16s in a 4 billion euro ($4.55 billion) deal, saying the decision came down to price, After months of deliberation, the decision to buy 34 of the planes was announced at a dual black white knot cufflinks government news conference, Belgium joins a list of other European NATO allies, including Britain, the Netherlands, Italy and Turkey, to take the American-made plane, which is also set to be the U.S, military’s main fighter aircraft for decades to come..

“We have landed! This government is investing heavily in defense. With the purchase of F-35A fighter planes .. we ensure your safety and that of our military,” Belgian Defence Minister Steven Vandeput said on Twitter during the news conference. “The offer from the Americans was the best in all our seven evaluation criteria,” he later told reporters. The jets, which can avoid detection and tracking by enemy radars or heat sensors, aim to offer NATO allies technological superiority with additional capabilities such as the ability to disrupt enemy communications networks and navigation signals.

The pick makes Belgium the 12th country to choose the F-35, which comes in three variants - the F-35A conventional take-off and landing model, the F-35B, a short take-off or vertical landing version, and the F-35C, used aboard aircraft carriers, Belgium has chosen the conventional version of the plane, with the first deliveries scheduled for 2023, Vice Admiral Mat Winter, U.S, F-35 program dual black white knot cufflinks chief, said the decision would further strengthen ties between the United States and Belgium and make it easier for the two countries’ air forces to work together on future missions..

The decision is a setback for Britain, Germany, Italy and Spain, who are behind the Eurofighter program, and also means the rejection of an informal French offer to sell Belgium the Rafale fighter built by Dassault Aviation (AVMD.PA). However, Britain’s BAE Systems (BAES.L) is also a partner on the F-35 project. Belgium’s decision raises the stakes for Eurofighter in Germany, Switzerland and Finland, which also plan to buy new warplanes, industry executives said. Eurofighter also sees good prospects in Canada, which was part of the initial F-35 partnership, but has not made a decision to buy the U.S. aircraft. Exact terms of the Canadian competition are due to be released next year.

Prime Minister dual black white knot cufflinks Charles Michel’s government said despite a strong desire to support European allies, the F-35 was cheaper for Belgium over the long term, coming in 600 million euros ($684 million) under what the government budgeted for, The total price of the deal, including the jets, pilot training, hangars and upkeep until 2030 was worth 4 billion euros, Vandeput said, compared with the original budget of 4.6 billion euros, Over the 40-year life of the aircraft, the deal will cost Belgium 12.4 billion euros, rather than the 15 billion euros first projected, he said..

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