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Navigation",{"_createdAt":1078,"_id":1079,"_rev":1080,"_type":1081,"_updatedAt":1082,"author":1083,"category":1092,"content":1093,"coverImage":1407,"estimatedReadingTime":1411,"estimatedWordCount":1412,"featureTier":1413,"og_image":1414,"pinned":242,"publishDate":1417,"slug":1418,"teaser":1420,"title":1421,"type":1422,"url":1423,"categoryObject":1424},"2024-11-22T21:34:15Z","e117a033-c103-4308-9fa9-f3684edd1371","92fJF8aZNv2Zy6pnAkE7cp","article","2025-07-25T16:20:06Z",[1084],{"_id":1085,"image":1086,"name":1091},"a54137eb-472e-447a-a045-e2762d25e7bf",{"_type":1087,"asset":1088},"image",{"_ref":1089,"_type":1090},"image-1b39e23b9feccb06178946a8cf1ec25ff1602bd5-2386x2383-png","reference","Charles Johnson, Actuarial Development Institute (ADI)","insights",[1094,1105,1130,1139,1153,1165,1173,1181,1189,1197,1205,1216,1227,1235,1243,1251,1259,1270,1281,1289,1297,1305,1316,1327,1335,1343,1351,1363,1375,1387,1399],{"_key":1095,"_type":1096,"children":1097,"markDefs":1103,"style":1104},"0907756a871f","block",[1098],{"_key":1099,"_type":1100,"marks":1101,"text":1102},"01993f5510bb0","span",[],"Insurance can be a complex world, filled with products tailored to meet different needs. Each insurance product has unique characteristics, requiring specialized expertise to manage effectively. Understanding why different insurance products are serviced by specific kinds of actuaries can help to demystify this field.",[],"normal",{"_key":1106,"_type":1096,"children":1107,"markDefs":1129,"style":1104},"e57c857e2c3f",[1108,1112,1117,1121,1125],{"_key":1109,"_type":1100,"marks":1110,"text":1111},"8ff4c3e76cc10",[],"Let’s take a closer look at the core differentiators between these products, focusing on two factors: (1) ",{"_key":1113,"_type":1100,"marks":1114,"text":1116},"8ff4c3e76cc11",[1115],"strong","what",{"_key":1118,"_type":1100,"marks":1119,"text":1120},"8ff4c3e76cc12",[]," might happen and (2) ",{"_key":1122,"_type":1100,"marks":1123,"text":1124},"8ff4c3e76cc13",[1115],"when",{"_key":1126,"_type":1100,"marks":1127,"text":1128},"8ff4c3e76cc14",[]," it might happen.",[],{"_key":1131,"_type":1096,"children":1132,"markDefs":1137,"style":1138},"968a46bb86fa",[1133],{"_key":1134,"_type":1100,"marks":1135,"text":1136},"6a4a364f2a530",[],"Property and Casualty (P&C) Insurance",[],"h2",{"_key":1140,"_type":1096,"children":1141,"level":1150,"listItem":1151,"markDefs":1152,"style":1104},"3bce7a88856d",[1142,1146],{"_key":1143,"_type":1100,"marks":1144,"text":1145},"65b41ffa42980",[1115],"What",{"_key":1147,"_type":1100,"marks":1148,"text":1149},"65b41ffa42981",[],": Covers property (tangible items that can be damaged, lost, or destroyed) and liability (risks of causing harm to others).",1,"bullet",[],{"_key":1154,"_type":1096,"children":1155,"level":1150,"listItem":1151,"markDefs":1164,"style":1104},"01844d192bcc",[1156,1160],{"_key":1157,"_type":1100,"marks":1158,"text":1159},"1bbc72caaa6c0",[1115],"When",{"_key":1161,"_type":1100,"marks":1162,"text":1163},"1bbc72caaa6c1",[],": Coverage typically lasts less than one year. Policies, like car or home insurance, are usually for one year or less.",[],{"_key":1166,"_type":1096,"children":1167,"markDefs":1172,"style":1104},"d5c90916bab1",[1168],{"_key":1169,"_type":1100,"marks":1170,"text":1171},"297a9b40875d0",[],"P&C insurance covers \"property,\" meaning tangible items that can be damaged, lost, or destroyed. This type of insurance is the most tangible form because it deals with physical assets, like cars and houses, which most people are familiar with through their own experiences. P&C coverage is typically short-term. When you purchase car or home insurance, for example, the policy usually lasts for one year or less.",[],{"_key":1174,"_type":1096,"children":1175,"markDefs":1180,"style":1104},"5c37fdb39626",[1176],{"_key":1177,"_type":1100,"marks":1178,"text":1179},"964dba9d00880",[],"P&C also encompasses casualty or liability coverage. This type of insurance covers a wide range of potential losses, including health and life, but specifically those caused by the insured individual. Liability insurance is the most required type of insurance for cars. While you can own a car without comprehensive coverage, you must have liability insurance in case you cause harm to someone else (e.g., hitting and injuring someone).",[],{"_key":1182,"_type":1096,"children":1183,"markDefs":1188,"style":1104},"c2df13d204cb",[1184],{"_key":1185,"_type":1100,"marks":1186,"text":1187},"5b6c55a865350",[],"Liability coverage extends to many other areas, such as business liability. For example, if a product you sell causes harm to customers, or if someone slips on ice at a rental property you own, liability insurance would cover these incidents. Workers' compensation (a.k.a., workers' comp), a special form of liability coverage, is also included under P&C insurance.",[],{"_key":1190,"_type":1096,"children":1191,"markDefs":1196,"style":1104},"a362fdcec346",[1192],{"_key":1193,"_type":1100,"marks":1194,"text":1195},"c2ca5b376ad30",[],"In the U.S., P&C actuaries are certified by the Casualty Actuarial Society (CAS), while actuaries in other fields are certified by the Society of Actuaries (SOA). The SOA is the largest actuarial credentialing organization in the world.",[],{"_key":1198,"_type":1096,"children":1199,"markDefs":1204,"style":1138},"8d2d0029a74f",[1200],{"_key":1201,"_type":1100,"marks":1202,"text":1203},"720552b81e710",[],"Pension Insurance",[],{"_key":1206,"_type":1096,"children":1207,"level":1150,"listItem":1151,"markDefs":1215,"style":1104},"383ac1ee4ab3",[1208,1211],{"_key":1209,"_type":1100,"marks":1210,"text":1145},"82d5c22d75d70",[1115],{"_key":1212,"_type":1100,"marks":1213,"text":1214},"82d5c22d75d71",[],": Provides income to individuals upon retirement.",[],{"_key":1217,"_type":1096,"children":1218,"level":1150,"listItem":1151,"markDefs":1226,"style":1104},"d040e7eb15b1",[1219,1222],{"_key":1220,"_type":1100,"marks":1221,"text":1159},"c6e701721dec0",[1115],{"_key":1223,"_type":1100,"marks":1224,"text":1225},"c6e701721dec1",[],": Payments are made for the rest of the retiree's life, and sometimes their spouse's life, addressing the risk of living longer than expected (longevity risk).",[],{"_key":1228,"_type":1096,"children":1229,"markDefs":1234,"style":1104},"815863ad754d",[1230],{"_key":1231,"_type":1100,"marks":1232,"text":1233},"7449db2a86510",[],"Pensions are commitments, often made by employers, to provide income to individuals upon retirement. These payments are usually less than the income earned while working but are guaranteed for the rest of the retiree's life, and sometimes for their spouse's life as well.",[],{"_key":1236,"_type":1096,"children":1237,"markDefs":1242,"style":1104},"2678b6048109",[1238],{"_key":1239,"_type":1100,"marks":1240,"text":1241},"f8ebf80273880",[],"Pensions address the risk of longevity—living longer than expected and needing income for that extended period. Essentially, the risk pertains to living (or not dying), with the duration being as long as the covered individual(s) remain alive. In actuarial terms, this is known as long-duration mortality risk.",[],{"_key":1244,"_type":1096,"children":1245,"markDefs":1250,"style":1104},"46621427f9d2",[1246],{"_key":1247,"_type":1100,"marks":1248,"text":1249},"0f8dd2c2fc1f0",[],"Pension actuaries manage both the assets supporting these guarantees and the population covered by the pensions (the workforce or retiree pool). Governments often impose specific certification requirements for pensions, and pension actuaries typically need special credentials to perform their duties.",[],{"_key":1252,"_type":1096,"children":1253,"markDefs":1258,"style":1138},"7d9249bb360f",[1254],{"_key":1255,"_type":1100,"marks":1256,"text":1257},"eebb8689329f0",[],"Life and Annuities Insurance",[],{"_key":1260,"_type":1096,"children":1261,"level":1150,"listItem":1151,"markDefs":1269,"style":1104},"3119d4c63f5b",[1262,1265],{"_key":1263,"_type":1100,"marks":1264,"text":1145},"a9f96aae4eb20",[1115],{"_key":1266,"_type":1100,"marks":1267,"text":1268},"a9f96aae4eb21",[],": Manages mortality risk, either living too long (annuities) or not long enough (life insurance).",[],{"_key":1271,"_type":1096,"children":1272,"level":1150,"listItem":1151,"markDefs":1280,"style":1104},"264319d67ee4",[1273,1276],{"_key":1274,"_type":1100,"marks":1275,"text":1159},"3854f918c4960",[1115],{"_key":1277,"_type":1100,"marks":1278,"text":1279},"3854f918c4961",[],": Covers long-duration risks, ensuring income or support for extended periods.",[],{"_key":1282,"_type":1096,"children":1283,"markDefs":1288,"style":1104},"f8ebcdb99194",[1284],{"_key":1285,"_type":1100,"marks":1286,"text":1287},"b3749085d7b10",[],"Life and Annuities actuaries manage risks similar to those handled by pension actuaries, focusing on mortality. This includes the risk of living too long (annuities) or not long enough (life insurance). They also deal with disability insurance, which covers the risk of becoming disabled and unable to work, and Long-Term Care insurance, which addresses the risk of needing assistance later in life.",[],{"_key":1290,"_type":1096,"children":1291,"markDefs":1296,"style":1104},"d6c78fc81d2f",[1292],{"_key":1293,"_type":1100,"marks":1294,"text":1295},"8726c9f2ddd00",[],"The common theme is the long duration of these risks and the need for income coverage. Life insurance supports families if an income earner or caretaker passes away. Disability insurance replaces lost income due to disability, while Long-Term Care insurance covers additional living expenses in later life. Annuities provide income for individuals who outlive their assets.",[],{"_key":1298,"_type":1096,"children":1299,"markDefs":1304,"style":1138},"843df4bd0bf5",[1300],{"_key":1301,"_type":1100,"marks":1302,"text":1303},"3f9cb7234eb40",[],"Health Insurance",[],{"_key":1306,"_type":1096,"children":1307,"level":1150,"listItem":1151,"markDefs":1315,"style":1104},"7b8d1a4bfc9a",[1308,1311],{"_key":1309,"_type":1100,"marks":1310,"text":1145},"6e6d7cb161160",[1115],{"_key":1312,"_type":1100,"marks":1313,"text":1314},"6e6d7cb161161",[],": Covers the risk of incurring healthcare costs.",[],{"_key":1317,"_type":1096,"children":1318,"level":1150,"listItem":1151,"markDefs":1326,"style":1104},"66cf7522af15",[1319,1322],{"_key":1320,"_type":1100,"marks":1321,"text":1159},"98d2f5df026c0",[1115],{"_key":1323,"_type":1100,"marks":1324,"text":1325},"98d2f5df026c1",[],": Typically for a period of less than a year, similar to P&C insurance in terms of coverage duration.",[],{"_key":1328,"_type":1096,"children":1329,"markDefs":1334,"style":1104},"8d5446f4345e",[1330],{"_key":1331,"_type":1100,"marks":1332,"text":1333},"f97bb7642db60",[],"Health insurance is a unique subset of SOA-credentialed actuaries. They manage the risk of incurring healthcare costs, typically for a period of less than a year. While similar to P&C insurance in terms of coverage duration and the physical nature of the insured risk (the human body), the complexity of health insurance requires specialized actuaries. This complexity comes from the diversity of healthcare providers, various regulations, and the intricate nature of healthcare costs.",[],{"_key":1336,"_type":1096,"children":1337,"markDefs":1342,"style":1138},"75cb87bcfded",[1338],{"_key":1339,"_type":1100,"marks":1340,"text":1341},"65bb9ee2bc7b0",[],"Other Areas of Actuarial Work",[],{"_key":1344,"_type":1096,"children":1345,"markDefs":1350,"style":1104},"1092a7745ebb",[1346],{"_key":1347,"_type":1100,"marks":1348,"text":1349},"9d3b4e7b1f7c0",[],"Actuaries also work in various other fields beyond traditional insurance roles:",[],{"_key":1352,"_type":1096,"children":1353,"level":1150,"listItem":1151,"markDefs":1362,"style":1104},"0d3de45b8e59",[1354,1358],{"_key":1355,"_type":1100,"marks":1356,"text":1357},"370b0c603af20",[1115],"Asset Management: ",{"_key":1359,"_type":1100,"marks":1360,"text":1361},"370b0c603af21",[],"Many actuaries are involved in asset management, where they create investment portfolios that match the liabilities covered by insurance products.",[],{"_key":1364,"_type":1096,"children":1365,"level":1150,"listItem":1151,"markDefs":1374,"style":1104},"c998c00bee51",[1366,1370],{"_key":1367,"_type":1100,"marks":1368,"text":1369},"dff477cc6bc10",[1115],"Academia: ",{"_key":1371,"_type":1100,"marks":1372,"text":1373},"dff477cc6bc11",[],"Some actuaries work in academia, teaching mathematics and\u002For developing new methods for future estimates and past analyses.",[],{"_key":1376,"_type":1096,"children":1377,"level":1150,"listItem":1151,"markDefs":1386,"style":1104},"cd91f5437bb3",[1378,1382],{"_key":1379,"_type":1100,"marks":1380,"text":1381},"2add4c14394e0",[1115],"Enterprise Risk Management: ",{"_key":1383,"_type":1100,"marks":1384,"text":1385},"2add4c14394e1",[],"These actuaries assess a company's overall risk profile and help prioritize risk management efforts.",[],{"_key":1388,"_type":1096,"children":1389,"level":1150,"listItem":1151,"markDefs":1398,"style":1104},"ed1dedd9aba9",[1390,1394],{"_key":1391,"_type":1100,"marks":1392,"text":1393},"be99c70297d90",[1115],"Government: ",{"_key":1395,"_type":1100,"marks":1396,"text":1397},"be99c70297d91",[],"Government-employed actuaries assist in creating and evaluating regulations and ensuring compliance. These actuaries may come from various practice areas or spend their entire careers in these roles, and they are generally not categorized the same way as P&C, Pensions, Life, and Health actuaries.",[],{"_key":1400,"_type":1096,"children":1401,"markDefs":1406,"style":1104},"0a59a2631e6b",[1402],{"_key":1403,"_type":1100,"marks":1404,"text":1405},"d8fa4e1f9d630",[],"Different insurance products require specialized expertise due to their unique risks and characteristics. This specialization ensures that the risks are accurately assessed and managed, providing appropriate coverage for the insured!",[],{"_type":1087,"alt":1408,"asset":1409},"Why Do Specific Actuaries Service Different Insurance Products? by Charles Johnson, Actuarial Development Institute",{"_ref":1410,"_type":1090},"image-8689d259daf972213b92c471a510ca09d32b53af-1000x1000-png",7,1220,"tier2",{"_type":1087,"asset":1415},{"_ref":1416,"_type":1090},"image-78b2c79603f1e7fdeaeec57af0b38a910248a395-2400x1260-png","2025-06-12T14:00:00.000Z",{"_type":245,"current":1419},"why-do-specific-actuaries-service-different-insurance-products","Why does insurance feel like it’s custom-made for every situation? In this article, Charles Johnson, CEO of Actuarial Development Institute, shows how actuaries match specialized skills to unique insurance risks.","Why Do Specific Actuaries Service Different Insurance Products?","blog","\u002Fblog\u002Fwhy-do-specific-actuaries-service-different-insurance-products",{"name":1425,"value":1092,"url":1426},"Insights","\u002Fblog\u002Finsights"]