Actuaries were once associated with only insurance companies. They are now recognized as independent advisors whose expertise is used by many different businesses. Independent actuarial firms provide services such as outsourcing for insurance carriers that need temporary assistance on certain projects. They also offer advice to financial entities that attempt to determine the future value of potential takeover targets. Some perform analyses for insurance departments. The type(s) of actuarial service(s) the risk provides determines its underwriting acceptability and the premium to charge.
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