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Actuaries
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CheckoutCareers.com
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Actuaries
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Analyze statistical data, such as mortality, accident, sickness, disability, and retirement rates and construct probability tables to forecast risk and liability for payment of future benefits. May ascertain premium rates required and cash reserves necessary to ensure payment of future benefits.
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Degrees
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Abilities
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Inductive Reasoning| | The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events). |
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Oral Expression| | The ability to communicate information and ideas in speaking so others will understand. |
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Written Comprehension| | The ability to read and understand information and ideas presented in writing. |
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Deductive Reasoning| | The ability to apply general rules to specific problems to produce answers that make sense. |
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Mathematical Reasoning| | The ability to choose the right mathematical methods or formulas to solve a problem. |
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Written Expression| | The ability to communicate information and ideas in writing so others will understand. |
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Oral Comprehension| | The ability to listen to and understand information and ideas presented through spoken words and sentences. |
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Category Flexibility| | The ability to generate or use different sets of rules for combining or grouping things in different ways. |
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Number Facility| | The ability to add, subtract, multiply, or divide quickly and correctly. |
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Fluency of Ideas| | The ability to come up with a number of ideas about a topic (the number of ideas is important, not their quality, correctness, or creativity). |
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Information Ordering| | The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations). |
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Near Vision| | The ability to see details at close range (within a few feet of the observer). |
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Speech Recognition| | The ability to identify and understand the speech of another person. |
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Originality| | The ability to come up with unusual or clever ideas about a given topic or situation, or to develop creative ways to solve a problem. |
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Speech Clarity| | The ability to speak clearly so others can understand you. |
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Problem Sensitivity| | The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem. |
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Selective Attention| | The ability to concentrate on a task over a period of time without being distracted. |
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Flexibility of Closure| | The ability to identify or detect a known pattern (a figure, object, word, or sound) that is hidden in other distracting material. |
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Perceptual Speed| | The ability to quickly and accurately compare similarities and differences among sets of letters, numbers, objects, pictures, or patterns. The things to be compared may be presented at the same time or one after the other. This ability also includes comparing a presented object with a remembered object. |
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Memorization| | The ability to remember information such as words, numbers, pictures, and procedures. |
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Far Vision| | The ability to see details at a distance. |
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Speed of Closure| | The ability to quickly make sense of, combine, and organize information into meaningful patterns. |
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Visualization| | The ability to imagine how something will look after it is moved around or when its parts are moved or rearranged. |
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Finger Dexterity| | The ability to make precisely coordinated movements of the fingers of one or both hands to grasp, manipulate, or assemble very small objects. |
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Time Sharing| | The ability to shift back and forth between two or more activities or sources of information (such as speech, sounds, touch, or other sources). |
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Auditory Attention| | The ability to focus on a single source of sound in the presence of other distracting sounds. |
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Trunk Strength| | The ability to use your abdominal and lower back muscles to support part of the body repeatedly or continuously over time without 'giving out' or fatiguing. |
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Visual Color Discrimination| | The ability to match or detect differences between colors, including shades of color and brightness. |
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Manual Dexterity| | The ability to quickly move your hand, your hand together with your arm, or your two hands to grasp, manipulate, or assemble objects. |
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Arm-Hand Steadiness| | The ability to keep your hand and arm steady while moving your arm or while holding your arm and hand in one position. |
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Hearing Sensitivity| | The ability to detect or tell the differences between sounds that vary in pitch and loudness. |
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Control Precision| | The ability to quickly and repeatedly adjust the controls of a machine or a vehicle to exact positions. |
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Depth Perception| | The ability to judge which of several objects is closer or farther away from you, or to judge the distance between you and an object. |
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Interests
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Conventional| | Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow. |
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First Interest High-Point| | Primary-Rank Descriptiveness |
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Investigative| | Investigative occupations frequently involve working with ideas, and require an extensive amount of thinking. These occupations can involve searching for facts and figuring out problems mentally. |
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Realistic| | Realistic occupations frequently involve work activities that include practical, hands-on problems and solutions. They often deal with plants, animals, and real-world materials like wood, tools, and machinery. Many of the occupations require working outside, and do not involve a lot of paperwork or working closely with others. |
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Enterprising| | Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business. |
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Artistic| | Artistic occupations frequently involve working with forms, designs and patterns. They often require self-expression and the work can be done without following a clear set of rules. |
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Second Interest High-Point| | Secondary-Cutoff/Rank Descriptiveness |
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Social| | Social occupations frequently involve working with, communicating with, and teaching people. These occupations often involve helping or providing service to others. |
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Knowledge
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Mathematics| | Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications. |
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English Language| | Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar. |
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Computers and Electronics| | Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming. |
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Economics and Accounting| | Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data. |
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Administration and Management| | Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources. |
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Sales and Marketing| | Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems. |
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Personnel and Human Resources| | Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems. |
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Law and Government| | Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process. |
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Clerical| | Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology. |
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Customer and Personal Service| | Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction. |
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Education and Training| | Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects. |
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Communications and Media| | Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media. |
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Medicine and Dentistry| | Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures. |
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Psychology| | Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders. |
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Production and Processing| | Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods. |
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Engineering and Technology| | Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services. |
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Telecommunications| | Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems. |
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Geography| | Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life. |
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Sociology and Anthropology| | Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures and their history and origins. |
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Design| | Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models. |
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Public Safety and Security| | Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions. |
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History and Archeology| | Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures. |
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Foreign Language| | Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation. |
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Therapy and Counseling| | Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance. |
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Transportation| | Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits. |
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Philosophy and Theology| | Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture. |
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Physics| | Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub- atomic structures and processes. |
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Biology| | Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment. |
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Mechanical| | Knowledge of machines and tools, including their designs, uses, repair, and maintenance. |
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Fine Arts| | Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture. |
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Wages
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| District of Columbia | $70,140.00 |
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| North Carolina | $80,580.00 |
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Related Careers
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Accountants| | Analyze financial information and prepare financial reports to determine or maintain record of assets, liabilities, profit and loss, tax liability, or other financial activities within an organization. |
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Assessors| | Appraise real and personal property to determine its fair value. May assess taxes in accordance with prescribed schedules. |
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Cost Estimators| | Prepare cost estimates for product manufacturing, construction projects, or services to aid management in bidding on or determining price of product or service. May specialize according to particular service performed or type of product manufactured. |
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Credit Analysts| | Analyze current credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with this credit information for use in decision-making. |
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Financial Analysts| | Conduct quantitative analyses of information affecting investment programs of public or private institutions. |
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Insurance Underwriters| | Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications. |
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Procurement Clerks| | Compile information and records to draw up purchase orders for procurement of materials and services. |
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Statisticians| | Engage in the development of mathematical theory or apply statistical theory and methods to collect, organize, interpret, and summarize numerical data to provide usable information. May specialize in fields, such as bio-statistics, agricultural statistics, business statistics, economic statistics, or other fields. |
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Tax Preparers| | Prepare tax returns for individuals or small businesses but do not have the background or responsibilities of an accredited or certified public accountant. |
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Skills
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Mathematics| | Using mathematics to solve problems. |
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Active Learning| | Understanding the implications of new information for both current and future problem-solving and decision-making. |
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Critical Thinking| | Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems. |
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Reading Comprehension| | Understanding written sentences and paragraphs in work related documents. |
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Complex Problem Solving| | Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions. |
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Active Listening| | Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times. |
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Monitoring| | Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action. |
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Coordination| | Adjusting actions in relation to others' actions. |
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Judgment and Decision Making| | Considering the relative costs and benefits of potential actions to choose the most appropriate one. |
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Speaking| | Talking to others to convey information effectively. |
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Instructing| | Teaching others how to do something. |
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Time Management| | Managing one's own time and the time of others. |
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Writing| | Communicating effectively in writing as appropriate for the needs of the audience. |
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Learning Strategies| | Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things. |
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Operations Analysis| | Analyzing needs and product requirements to create a design. |
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Programming| | Writing computer programs for various purposes. |
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Troubleshooting| | Determining causes of operating errors and deciding what to do about it. |
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Quality Control Analysis| | Conducting tests and inspections of products, services, or processes to evaluate quality or performance. |
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Negotiation| | Bringing others together and trying to reconcile differences. |
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Equipment Selection| | Determining the kind of tools and equipment needed to do a job. |
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Persuasion| | Persuading others to change their minds or behavior. |
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Systems Analysis| | Determining how a system should work and how changes in conditions, operations, and the environment will affect outcomes. |
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Service Orientation| | Actively looking for ways to help people. |
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Social Perceptiveness| | Being aware of others' reactions and understanding why they react as they do. |
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Systems Evaluation| | Identifying measures or indicators of system performance and the actions needed to improve or correct performance, relative to the goals of the system. |
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Management of Financial Resources| | Determining how money will be spent to get the work done, and accounting for these expenditures. |
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Technology Design| | Generating or adapting equipment and technology to serve user needs. |
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Management of Personnel Resources| | Motivating, developing, and directing people as they work, identifying the best people for the job. |
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Science| | Using scientific rules and methods to solve problems. |
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Operation Monitoring| | Watching gauges, dials, or other indicators to make sure a machine is working properly. |
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Operation and Control| | Controlling operations of equipment or systems. |
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Management of Material Resources| | Obtaining and seeing to the appropriate use of equipment, facilities, and materials needed to do certain work. |
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Installation| | Installing equipment, machines, wiring, or programs to meet specifications. |
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Repairing| | Repairing machines or systems using the needed tools. |
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Equipment Maintenance| | Performing routine maintenance on equipment and determining when and what kind of maintenance is needed. |
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Tasks
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| Ascertain premium rates required and cash reserves and liabilities necessary to ensure payment of future benefits. |
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| Testify before public agencies on proposed legislation affecting businesses. |
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| Analyze statistical information to estimate mortality, accident, sickness, disability, and retirement rates. |
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| Design, review and help administer insurance, annuity and pension plans, determining financial soundness and calculating premiums. |
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| Collaborate with programmers, underwriters, accounts, claims experts, and senior management to help companies develop plans for new lines of business or improving existing business. |
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| Provide advice to clients on a contract basis, working as a consultant. |
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| Testify in court as expert witness or to provide legal evidence on matters such as the value of potential lifetime earnings of a person who is disabled or killed in an accident. |
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| Construct probability tables for events such as fires, natural disasters, and unemployment, based on analysis of statistical data and other pertinent information. |
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| Determine policy contract provisions for each type of insurance. |
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| Determine or help determine company policy, and explain complex technical matters to company executives, government officials, shareholders, policyholders, or the public. |
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| Manage credit and help price corporate security offerings. |
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| Provide expertise to help financial institutions manage risks and maximize returns associated with investment products or credit offerings. |
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| Determine equitable basis for distributing surplus earnings under participating insurance and annuity contracts in mutual companies. |
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| Explain changes in contract provisions to customers. |
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Tools
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Technology
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| Analytical or scientific software |
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| Insightful Corporation S-PLUS |
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| SAS software |
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| SPSS software |
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| Statistical software |
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| Wolfram Research Mathematica |
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| Compliance software |
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| Compliance testing software |
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| Data base user interface and query software |
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| Business Objects BusinessObjects Desktop Intelligence |
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| Data entry software |
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| dBase Plus |
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| Microsoft Access |
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| Microsoft Visual FoxPro |
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| Structured query language SQL |
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| Development environment software |
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| Microsoft Visual Basic |
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| Financial analysis software |
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| Appraisal software |
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| Cash flow software |
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| GGY AXIS |
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| Insureware ICRFS-ELRF |
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| Lewis & Ellis LEAPPS |
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| Milliman Corporate Affinity |
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| Milliman ReservePro |
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| Oak Mountain Software AnnuityValue |
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| PolySystems Asset Delphi |
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| Pricing software |
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| SS&C PTS |
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| Towers Perrin TAS Tillinghast Actuarial Software |
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| Office suite software |
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| Microsoft Office |
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| Presentation software |
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| Project management software |
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| IBM Lotus Notes |
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| Spreadsheet software |
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| Microsoft Excel |
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| Word processing software |
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| Microsoft Word |
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Career Activities
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| Processing Information |
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| compile numerical or statistical data |
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| develop tables depicting data |
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| Analyzing Data or Information |
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| analyze scientific research data or investigative findings |
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| analyze social or economic data |
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| evaluate degree of financial risk |
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| perform statistical modeling |
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| Updating and Using Relevant Knowledge |
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| follow contract, property, or insurance laws |
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| maintain awareness of social trends |
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| use current social research |
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| use knowledge of investigation techniques |
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| use mathematical or statistical methods to identify or analyze problems |
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| use public speaking techniques |
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| use quantitative research methods |
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| Thinking Creatively |
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| create mathematical or statistical diagrams or charts |
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| develop mathematical ideas or interpretations |
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| develop mathematical simulation models |
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| Getting Information |
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| collect statistical data |
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| Identifying Objects, Actions, and Events |
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| recognize interrelationships among social statistics or indicators |
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| Interacting With Computers |
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| develop or maintain databases |
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| use computers to enter, access or retrieve data |
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| use relational database software |
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| use spreadsheet software |
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| use word processing or desktop publishing software |
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| Provide Consultation and Advice to Others |
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| advise clients on financial matters |
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| advise clients or customers |
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| provide expert testimony on research results |
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| Interpreting the Meaning of Information for Others |
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| explain complex mathematical information |
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| interpret charts or tables for social or economic research |
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| Communicating with Persons Outside Organization |
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| communicate technical information |
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| make presentations |
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| make presentations on financial matters |
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| Performing Administrative Activities |
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| prepare reports |
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| prepare technical reports or related documentation |
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Career Context
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| Indoors, Environmentally Controlled |
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| Electronic Mail |
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| Spend Time Sitting |
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| Telephone |
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| Importance of Being Exact or Accurate |
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| Face-to-Face Discussions |
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| Work With Work Group or Team |
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| Importance of Repeating Same Tasks |
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| Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls |
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| Contact With Others |
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| Frequency of Decision Making |
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| Letters and Memos |
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| Spend Time Making Repetitive Motions |
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| Structured versus Unstructured Work |
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| Impact of Decisions on Co-workers or Company Results |
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| Coordinate or Lead Others |
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| Responsibility for Outcomes and Results |
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| Freedom to Make Decisions |
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| Consequence of Error |
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| Extremely Bright or Inadequate Lighting |
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| Deal With External Customers |
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| Sounds, Noise Levels Are Distracting or Uncomfortable |
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Career Styles
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Attention to Detail| | Job requires being careful about detail and thorough in completing work tasks. |
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Analytical Thinking| | Job requires analyzing information and using logic to address work-related issues and problems. |
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Integrity| | Job requires being honest and ethical. |
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Dependability| | Job requires being reliable, responsible, and dependable, and fulfilling obligations. |
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Initiative| | Job requires a willingness to take on responsibilities and challenges. |
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Cooperation| | Job requires being pleasant with others on the job and displaying a good-natured, cooperative attitude. |
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Achievement/Effort| | Job requires establishing and maintaining personally challenging achievement goals and exerting effort toward mastering tasks. |
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Leadership| | Job requires a willingness to lead, take charge, and offer opinions and direction. |
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Innovation| | Job requires creativity and alternative thinking to develop new ideas for and answers to work-related problems. |
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Independence| | Job requires developing one's own ways of doing things, guiding oneself with little or no supervision, and depending on oneself to get things done. |
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Persistence| | Job requires persistence in the face of obstacles. |
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Adaptability/Flexibility| | Job requires being open to change (positive or negative) and to considerable variety in the workplace. |
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Concern for Others| | Job requires being sensitive to others' needs and feelings and being understanding and helpful on the job. |
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Stress Tolerance| | Job requires accepting criticism and dealing calmly and effectively with high stress situations. |
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Self Control| | Job requires maintaining composure, keeping emotions in check, controlling anger, and avoiding aggressive behavior, even in very difficult situations. |
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Social Orientation| | Job requires preferring to work with others rather than alone, and being personally connected with others on the job. |
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Career Needs
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Autonomy| | Workers on this job plan their work with little supervision. |
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Working Conditions| | Workers on this job have good working conditions. |
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Company Policies and Practices| | Workers on this job are treated fairly by the company. |
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Security| | Workers on this job have steady employment. |
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Ability Utilization| | Workers on this job make use of their individual abilities. |
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Independence| | Workers on this job do their work alone. |
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Supervision, Human Relations| | Workers on this job have supervisors who back up their workers with management. |
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Advancement| | Workers on this job have opportunities for advancement. |
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Compensation| | Workers on this job are paid well in comparison with other workers. |
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Responsibility| | Workers on this job make decisions on their own. |
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Activity| | Workers on this job are busy all the time. |
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Recognition| | Workers on this job receive recognition for the work they do. |
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Social Status| | Workers on this job are looked up to by others in their company and their community. |
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Achievement| | Workers on this job get a feeling of accomplishment. |
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Moral Values| | Workers on this job are never pressured to do things that go against their sense of right and wrong. |
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Co-workers| | Workers on this job have co-workers who are easy to get along with. |
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Creativity| | Workers on this job try out their own ideas. |
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Variety| | Workers on this job have something different to do every day. |
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Supervision, Technical| | Workers on this job have supervisors who train their workers well. |
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Authority| | Workers on this job give directions and instructions to others. |
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Social Service| | Workers on this job have work where they do things for other people. |
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Career Values
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Working Conditions| | Occupations that satisfy this work value offer job security and good working conditions. Corresponding needs are Activity, Compensation, Independence, Security, Variety and Working Conditions. |
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Independence| | Occupations that satisfy this work value allow employs to work on their own and make decisions. Corresponding needs are Creativity, Responsibility and Autonomy. |
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Achievement| | Occupations that satisfy this work value are results oriented and allow employees to use their strongest abilities, giving them a feeling of accomplishment. Corresponding needs are Ability Utilization and Achievement. |
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Support| | Occupations that satisfy this work value offer supportive management that stands behind employees. Corresponding needs are Company Policies, Supervision: Human Relations and Supervision: Technical. |
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Recognition| | Occupations that satisfy this work value offer advancement, potential for leadership, and are often considered prestigious. Corresponding needs are Advancement, Authority, Recognition and Social Status. |
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Relationships| | Occupations that satisfy this work value allow employees to provide service to others and work with co-workers in a friendly non-competitive environment. Corresponding needs are Co-workers, Moral Values and Social Service. |
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