The life of an actuary...
Technically designing insurance products
Actuaries are responsible for carrying out statistical, mathematical and financial research in order to define the guarantees and pricing structures that will apply to each risk category, as well as the terms of economic and financial profitability of contracts, and so on. They also create modelling tools, prospective simulation models and actuarial calculation tools, draft actuarial specifications for new products and play an active role in pricing up contracts, all based on expected levels of risk.
Underwriting and managing contracts
Actuaries are there to advise and provide technical support to the underwriters and sales representatives working at insurance companies. They’re also responsible for monitoring the general profitability of insurance products and contract portfolios, keeping a close eye on the news, given certain global events can have a big impact on risk assessments and quantification.