An actuary is a professional who uses mathematical and statistical techniques to assess and manage risks in the insurance and finance industries. Actuaries use their knowledge of probability and statistics to evaluate the likelihood of future events and to design financial products that can manage or mitigate those risks. They use this information to make predictions about things like death rates, accident rates, and retirement rates, which helps insurance companies and other financial institutions set premiums, plan for future expenses, and invest their money.

Actuaries typically have a strong background in mathematics and statistics, and many have a degree in actuarial science or a related field. They must also pass a series of professional exams to become a fully credentialed actuary, and they are often required to complete continuing education to maintain their credentials. Actuaries work in a variety of settings, including insurance companies, consulting firms, government agencies, and financial institutions. They may also be involved in pension and retirement planning, employee benefits, and investment management. Actuaries are known for their analytical skills and ability to identify and manage risk.

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