Actuaries Jobs

Actuaries jobs are mostly found in the field of insurance where they calculate the effects of major incidents like natural disasters, accidents and deaths. Through such assessment, actuaries help minimize the impact of losses on their clients' finances.



Provide rating, pricing and analytical actuarial support to contribute to effective product management and development. Contribute to the measurement and achievement of Corporate profit, growth, information and planning objectives through the effective generation, verific-ation, development and reporting of actuarial information.

- Analyze product financial and non-financial data to identify trends or indicators and make recommendations related to management of the product or product grouping based on the analysis of the results.

- Generate and verify data related to various exhibits and reports, applying actuarial and mathematical concepts, formulae and computer capa-bilities as necessary for completion of duties.

- Prepare schedules of statistics, premiums, reserves and benefits as assigned, documenting and verifying factors used in the related computations.

- Provide updates concerning Company actuarial information for various industry publications, rate books, sales material and regulato-ry filings as assigned.

- Conduct special analytical projects related to the management of both financial and non-financial aspects of the product or product groupings. Assignments may be related to product development, morbidity and mortality tables, financial results, premiums, persistency, expenses or other matters as designated by superiors.

- Develop detailed product rates for the given specifications developed by the Product Design Teams.

- Calculate rates for new products or product modifications. Calculate rates for rerating efforts. Develop rate scales and detailed rates.

- Create preliminary and detailed financial projections. Develop detailed financial projections for product development efforts and annual business plan with quarterly review.

- Review product specifications and estimate cost and schedule. Assist in cost/benefit analysis of changes during product detailed design or implementation.

- Assess financial impact of compliance changes and other environmental factors impacting the product or product grouping.

- Assist in the preparation of actuarial memoranda for filing with state insurance departments.

- Prepare reports for distinct management needs within the Product Management Teams. Develop and prepare standard reports for line of business and product line. Identify preliminary reporting requirements for business cases and detail design.

- Track product expense experience against initial budget projections/expense allowables.

- Provide superiors with documentation and explanations of computation results, and may research, analyze and summarize material required by other Actuarial personnel.

- Provide explanations for clerical support or non-actuarially oriented personnel in regard to statistical or actuarial concepts, computations and procedures required to properly develop and report data or to facilitate the development of related computer programs.

- May write small computer programs as an aid in generating and testing actuarial data or provide programmers with Actuarial input to assist in the development of such programs.

With all of the information and commercials out there for ways to make money from home, the phrases "home business" and "work at home job" have become virtually interchangeable. This can be misleading, though, since these are actually two distinct things that are unique in themselves.

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A home business is like any other business. The person running it is responsible for customers and the running of the business. A home business can be based around a unique product that the owner has created themself, or they could be selling products from other companies. Often home business owners will buy products wholesale directly from a manufacturer. These manufacturers sometimes offer drop- shipping, wherein the home business owner is simply an intermediary and doesn't have to worry about stocking inventory or sending out the products themselves. They simply sell the products, then give the order info to their supplier. The supplier then ships out the product directly to the customer.

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The fundamental difference between a home business owner and someone working from home is that the home business owner is not assigned work. They are responsible for their own actions and handle such things as what to do, when, and how. They also handle their own pay and are fully responsible for managing their own business.

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On the other hand, people who work an at-home job are just like any other employee. They are given assignments, and they are told what they need to do and when. They have to abide by their company's rules and have to work within a schedule and set limitations. They cannot hire their own employees, and are responsible to a supervisor. They can complete their work from the comfort of their home and then usually submit it to their company through the internet. Many times people working from home are independent contractors. This means that the company they are working for retains them for a certain amount of time, but does not guarantee continuous work, or a continual income.

The confusion about the differences between a home business and work at home jobs is common. However, it can lead to home business owners getting into situations where they find themselves overwhelmed by the amount of work they need to do. It can also be frustrating for people working stay- at-home jobs because they may be expecting more freedom. That is why the difference between these two types of employment is important to grasp