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Award-Winning Exam LTAM - Long-Term Actuarial Mathematics Tutors

Rhea

Certified Tutor

6+ years

Rhea

Bachelor of Science, Biology, General
Rhea's other Tutor Subjects
AP Statistics
AP Calculus BC
AP Calculus AB
Pre-Algebra

I am a current student at the University of Chicago. I am working towards a Bachelor of Science in Biological Sciences, and I am on the pre-medical track. I am extremely passionate about tutoring, and I have several years of experience tutoring students in my high school's learning center in various...

Education

University of Chicago

Bachelor of Science, Biology, General

Test Scores
Perfect Score
SAT
1550
ACT
36
Rahul

Certified Tutor

6+ years

Rahul

B.S. in Chemical Engineering
Rahul's other Tutor Subjects
Pre-Algebra
Multivariable Calculus
Pre-Calculus
Geometry

I am a recent graduate of Cornell University, where I received a B.S. in Chemical Engineering and graduated Magna Cum Laude. Over the past several years, I have worked with students from diverse backgrounds and experiences tutoring thermodynamics (my personal favorite), chemistry, and math. I have a...

Education

Cornell University

B.S. in Chemical Engineering

Test Scores
Perfect Score
ACT
36
Benjamin

Certified Tutor

5+ years

Benjamin

Bachelor of Science in Finance and Economics (minor: Innovation and Entrepreneurship)
Benjamin's other Tutor Subjects
AP Statistics
Trigonometry
Middle School Math
Calculus

I am a 2023 graduate of the University of Notre Dame with a Finance/Economics major and a minor in Innovation and Entrepreneurship. I am a passionate student in the math and business realms, as I enjoy the intuitiveness of the former and the real-world potential of the latter. During classes in midd...

Education

University of Notre Dame

Bachelor of Science in Finance and Economics (minor: Innovation and Entrepreneurship)

Test Scores
Perfect Score
ACT
36
Vansh

Certified Tutor

9+ years

Vansh

Bachelor of Science, Aerospace Engineering
Vansh's other Tutor Subjects
Pre-Algebra
Calculus
Algebra
IB Mathematics: Analysis and Approaches

I am currently pursuing a Bachelors of Science in Aerospace Engineering at the Georgia Institute of Technology. I am also a graduate of the high school International Baccalaureate Program. I have informal experience tutoring high school physics, but am most passionate about tutoring students for the...

Education

Georgia Institute of Technology-Main Campus

Bachelor of Science, Aerospace Engineering

Test Scores
Perfect Score
SAT
1520
ACT
36
Ilesh

Certified Tutor

6+ years

Ilesh

Bachelor of Science, Industrial Engineering
Ilesh's other Tutor Subjects
Pre-Algebra
Statistics
Calculus
Algebra

I am a recent grad from Georgia Tech, majoring in Industrial and Systems Engineering (an intersection of math, computer science, and business) and minoring in Business and Technology. I am originally from Columbus, OH, but chose to come down to Atlanta after getting a full-ride scholarship from Geor...

Education

Georgia Institute of Technology-Main Campus

Bachelor of Science, Industrial Engineering

Test Scores
Perfect Score
ACT
36
Arthur

Certified Tutor

5+ years

Arthur

Bachelor in Arts, Economics
Arthur's other Tutor Subjects
Statistics
Middle School Math
Geometry
Calculus

I am available to tutor in a broad range of subjects, though I am most passionate about Economics, History, and Civics. Please feel free to contact me and I would be happy to arrange a session.

Education

Middlebury College

Bachelor in Arts, Economics

Test Scores
Perfect Score
SAT
1490
ACT
36
John

Certified Tutor

16+ years

John

Bachelor of Fine Arts, English/Drama
John's other Tutor Subjects
AP Calculus AB
College Algebra
Middle School Math
Geometry

I'm a huge Red Sox fan and love watching detective shows when I have free time.

Education

University of St Thomas

Bachelor of Fine Arts, English/Drama

American Academy of Dramatic Arts

Associates, Acting

Test Scores
Perfect Score
SAT
1420
ACT
36
Ishan

Certified Tutor

5+ years

Ishan

Bachelor of Science, Biology, General
Ishan's other Tutor Subjects
Pre-Algebra
Pre-Calculus
Middle School Math
Calculus

I am a current sophomore at Rensselaer Polytechnic Institute, where I am majoring in Biology as part of the 7 Year Accelerated Medical Program. I am also minoring in Healthcare Economics and Policy. My favorite subjects in school are Chemistry, Biology, and Math, but I also enjoy the process of writ...

Education

Rensselaer Polytechnic Institute

Bachelor of Science, Biology, General

Albany Medical College

Doctor of Medicine, Premedicine

Test Scores
ACT
35
Emily

Certified Tutor

8+ years

Emily

Bachelor of Science, Biology, General
Emily's other Tutor Subjects
Pre-Algebra
Calculus
Algebra
AP Biology

I am currently a fourth year medical student in Indianapolis. I completed my undergraduate education at Indiana University Bloomington, where I majored in Biology and Spanish. I also completed two minors in Mathematics and Chemistry. While at IU, I worked for the Department of Mathematics and Depart...

Education

Indiana University-Bloomington

Bachelor of Science, Biology, General

Indiana University-Purdue University-Indianapolis

Doctor of Medicine, Community Health and Preventive Medicine

Test Scores
SAT
1480
ACT
35
Max

Certified Tutor

Max

Bachelors, Biology, General
Max's other Tutor Subjects
AP Statistics
AP Calculus BC
AP Calculus AB
Pre-Algebra

I am in the process now of applying for PhD programs in Computational Biology. I have done research in the field of freshwater ecology and am anticipating the publication of a paper I co-authored in the next several months.

Education

Ball State University

Bachelors, Biology, General

Test Scores
Perfect Score
SAT
1580
ACT
36

Meet Our Expert Tutors

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Anna

Calculus Tutor • +34 Subjects

I'm Anna! I'm currently a student in the MD/MBA program between Northwestern University's Feinberg School of Medicine and the Kellogg School of Management, and graduated from Northwestern University as part of the Honors Program in Medical Education. I attended the Bergen County Academies in New Jersey, a selective, application-based magnet school, for high school.

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Daniel

AP Calculus BC Tutor • +21 Subjects

I am an Undergraduate Student at Vanderbilt University. With years of tutoring experience and a solid academic foundation, I am fully equipped to teach in various subjects at many different levels.

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Samantha

Pre-Algebra Tutor • +38 Subjects

I'm a first-year medical student and recent graduate from Duke University, where I studied Global Health Determinants, Behaviors, and Interventions. From running a piano program at a nonprofit children's theatre to private tutoring in math, science, and standardized test prep, I enjoy helping my students become confident and self-sufficient learners! Hobbies: photography, travel, reading, music, writing, running, art, books, traveling

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Satvik

AP Statistics Tutor • +68 Subjects

I am an incoming college sophomoore studying Aerospace Engineering at the Georgia Institute of Technology. I was one of the top scholars at Carmel High School in Indiana and have various experiences teaching and tutoring through leading the Carmel High School Science Olympiad team to Nationals for two years in a row. Many of my friends consistently come to me for help with various subjects because of my willingness to help and teach in a way that makes sense to everyone. My specialities are physics, chemistry, math, and economics but I am comfortable tutoring any STEM subject, the SAT, and the ACT. Some of my accomplishments include a perfect 36 ACT score, 800 on the Physics, Math Level 2, and Chemistry SAT subject tests, and a 5 on all the physics, Calculus BC, Chemistry, Macroeconomics, Computer Science, etc. AP exams. When teaching, I focus on making sure that not only do students understand different concepts, but also that students understand why and practical applications of the different concepts. As a recent high school graduate, I have a deep understanding of how high-schoolers think, what is covered in various courses now, and can connect with my students a lot more. Additionally, as an undergraduate teaching assistant at the College of Computing at Georgia Tech, I taught weekly recitation sections of 30 students and held weekly office hours. Therefore, I have lots of experience teaching and working with students.

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Ethan

AP Statistics Tutor • +66 Subjects

I am not teaching or grading papers, I can usually be found playing some brass instrument or another, umpiring baseball, trying out a new recipe in the kitchen, or spending far too much time on Netflix.

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Sugi

Pre-Algebra Tutor • +54 Subjects

I am currently a 4th year medical student at Baylor College of Medicine and previously graduated from Rice University, Summa Cum Laude with a Bachelor's degree in Cognitive Science and Biochemistry & Cell Biology. I have served on admissions interview committees for Rice and Baylor College of Medicine, have mentored and edited essays for numerous college and graduate school applicants, and served as a private tutor and classroom instructor for Advanced Biology and Chemistry courses for 3+ years.

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Chelain

Calculus Tutor • +14 Subjects

I am currently a resident physician at Northwestern Hospital.

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Chelsey

Calculus Tutor • +31 Subjects

I'm a recent graduate of Northwestern University, a native New Yorker, and a recent addition to Varsity Tutors. I grew up in Westchester County, where I volunteered as an assistant creative writing teacher in high school. After high school, I moved to Evanston, Illinois for school. I studied a wide variety of subjects in college: from Medieval Literature to Buddhist Psychology. I moved back to New York after graduating to pursue a career in the arts. I currently work as a reader for the literary director of an Off-Broadway theatre company.

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Sami

Pre-Algebra Tutor • +19 Subjects

I am a Duke University graduate in Economics and Computer Science. I am currently pursuing an MBA degree at the Yale School of Management. I have worked in the financial field, both at a management consulting firm and a fortune 500 company. My hobbies include playing and coaching soccer. Hobbies: reading, writing, art, books, music

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Miguel

AP Statistics Tutor • +116 Subjects

I am able to travel to most of Philadelphia and its surrounding suburbs, and my schedule is flexible. I look forward to finding times that both of us can work together. Best regards, and may you achieve your educational goals.

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Frequently Asked Questions

Exam LTAM covers long-term actuarial mathematics with emphasis on life contingencies, annuities, insurance products, and pension mathematics. The exam heavily tests your ability to apply theoretical concepts to practical scenarios, so prioritizing life tables, present value calculations, and benefit reserve computations is essential. Many candidates find the interaction between mortality assumptions and financial calculations particularly challenging—dedicating focused study time to these connections will strengthen your overall performance.

Most candidates spend 200-300 hours preparing for Exam LTAM, though this varies based on your actuarial background and comfort with advanced mathematics. If you're new to life contingencies or advanced calculus applications, you may benefit from dedicating 4-6 months of consistent study. Creating a structured study schedule with regular practice problems and full-length exams helps you track progress and identify weak areas before test day, making your preparation time more efficient.

Common pitfalls include misinterpreting actuarial notation (especially with subscripts and superscripts), rushing through calculations without checking assumptions, and failing to clearly show work on word problems where partial credit is available. Many candidates also struggle with time management—spending too long on complex derivations instead of moving to higher-value questions. Understanding the exam format, practicing under timed conditions, and developing a systematic approach to each question type helps candidates avoid these costly mistakes.

Personalized 1-on-1 instruction allows tutors to identify your specific gaps—whether that's applying mortality assumptions to insurance calculations, mastering annuity formulas, or developing problem-solving strategies for complex scenarios. A tutor can help you work through official Society of Actuaries practice problems, explain concepts you're struggling with, and provide targeted feedback on your solution methods. This personalized approach is particularly valuable for Exam LTAM because the material requires both conceptual understanding and precise technical execution.

Practice exams should serve dual purposes: assessment and learning. Initially, use them to identify weak topics and question types that slow you down. Later in your study timeline, take full-length exams under timed, test-like conditions to build stamina and refine your pacing strategy. After each practice exam, spend time analyzing why you missed questions—sometimes it's a calculation error, but often it reveals gaps in your conceptual understanding or misinterpretation of exam language that you can address before test day.

Building confidence comes from thorough preparation and familiarity with the exam format. Working through numerous practice problems, discussing tricky concepts with a tutor, and taking full-length timed practice exams all reduce uncertainty on test day. It's also helpful to develop a pre-exam routine that centers you—reviewing key formulas, doing a few warm-up problems, and reminding yourself of your preparation. If test anxiety persists, talking with a tutor about your concerns and practicing relaxation techniques during study sessions can make a meaningful difference.

Exam LTAM assumes solid foundation in calculus, probability, and financial mathematics. You should be comfortable with derivatives and integrals (particularly applications to survival functions), conditional probability, and present value concepts. If your calculus or probability skills are rusty, or if you're transitioning from exam FM to LTAM, personalized instruction can help bridge those gaps efficiently. A tutor can assess your foundational knowledge and focus on the specific mathematical tools you'll need to master life contingencies material.

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