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The Actuary The magazine of the Institute & Faculty of Actuaries
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Life insurance

  • Antigua, Guatemala @iStock Insurance penetration in Latin America and the CaribbeanRicardo González reports on the state of insurance penetration in Latin America and the Caribbean, and the key factors that will influence it going forward Thursday, July 12, 2018
  • p26-27-Ageing-iStock-174706204-(1)v2 Understanding inequalities in later lifeRachael Docking explains how factors throughout life can compound to make later life challenging, and points to how such inequalities might be tackled Thursday, April 12, 2018
  • p26-27-DNA-Strand-iStock-648132432 A disquieting and awesome prospectKateryna Katyukha Swiegers considers recent advances in human genome editing and what these could mean for insurers and wider society Thursday, March 8, 2018
  • iStock Take my breath awayClaire Jones considers the implications of environmental change for setting mortality assumptions and summarises what we currently know Thursday, February 8, 2018
  • Stem-cell-research-iStock-819568470-(1) Cancer and costAisling Kennedy reports on the latest data on the incidence and risks of cancer and how this affects critical illness costs for insurers Thursday, December 7, 2017
  • Illustration A good gigKaren Brolly considers what effects new technology and the gig economy could have on UK insurance and savings products Thursday, December 7, 2017
  • p20-Watering-piggybank-illustration-iStock-607763446 Mind the gender gapMark Williams questions the sustainability of gender-based actuarial factors in pension schemes in light of social and actuarial rationale Thursday, November 9, 2017
  • p28-30-Heart-transplant- What if artificial organs could replace the need for donors?Artificial organs look likely to play an increasingly important role in transplantation. Nay Wynn considers the implications for insurance Thursday, October 12, 2017
  • http://www.fm-world.co.uk/comment/perspectives/interpreting-the-data/http://www.fm-world.co.uk/comment/perspectives/interpreting-the-data/ Appetite for adverse selectionPradip Tapadar and Guy Thomas argue that some adverse selection can be a good thing in insurance Thursday, May 11, 2017
  • p22-24-longivity-tree-ring-iStock-538650790.png Prolonging the longevity trendIt is well known that life expectancy has steadily and markedly increased over time in the UK. Many actuaries apparently take it as a natural law that the historic longevity trend will continue into the future. Thursday, April 13, 2017
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Actuaries in life insurance

This is a traditional area for actuaries, with the roles evolving as life insurance itself evolves. Classic roles include designing and pricing contracts, monitoring the funds required to provide the benefits promised, and recommending the bonuses to be added to with-profit policies.

 Nowadays, actuaries may also provide expert advice on investment, get involved in the planning and marketing of products, and advise on strategic risk measurement - and so be involved in almost any aspect of a company's activity.

Find out more