REDIRECT – How Actuaries Estimate Loss Reserves

REDIRECT – How Actuaries Estimate Loss Reserves

In addition to calculating insurance rates, actuaries are responsible for estimating loss reserves. Using various statistical tools, their goal is to predict how much the insurance company will pay out in claims so that the company can set aside enough money to pay...

CPCU 540 Fundamentals: Stocks versus Bonds

CPCU 540 Fundamentals: Stocks versus Bonds

In this part of our three-post CPCU® 540 Fundamentals series, we will teach you about stocks and bonds. The Institutes' doesn't go into these types of investments too much until Chapter 8, but they come up right from the start of the course and reappear over and over...

CPCU 540 Fundamentals: Policyholders Surplus

CPCU 540 Fundamentals: Policyholders Surplus

In this part of our three-post CPCU® 540 Fundamentals series, we will delve into one of the most important insurance-related financial concept: policyholders surplus. Because this concept comes up so often through the entire course, you are much better off if you go...

CPCU 540 Fundamentals: The Accounting Equation

CPCU 540 Fundamentals: The Accounting Equation

In CPCU 540, there are several concepts that are referred to right from the start and continue to appear repeatedly throughout the textbook, but for some reason, The Institutes' course does not immediately define these concepts nor does it provide a thorough...

What is Normal Distribution?

What is Normal Distribution?

Confused about how normal distribution in CPCU® 500 works? You are not alone! This tip will help shed some light on this tricky concept. Normal distribution (also known as standard distribution) simply refers to one of the most prevalent data patterns, where the most...

Understanding Rate-Making Methods

Understanding Rate-Making Methods

The actuarial chapter of CPCU 520 introduces three different rate-making methods that insurance companies use to decide what rates to charge for their insurance products. The goal of this tip to explain the methods in a more simplified manner, so that they are easier...