A newsletter tailored to giving you the latest about your industry.


October 2018 Edition

It starts from here

By Fraser Albiston

Fraser, an Actuarial Science student, reflects on his last few years at Heriot-Watt as he braces for the oncoming beast of third-year

The belt road initiative

By Dhavhesh Balakrishnan

China is trying to build a railroad spanning halfway around the world. With 60 countries signed up, is it too good to be true?

Insuring self-driving cars isn't a straight road

By Anoof Ibrahim

Self-driving cars have come crashing into the industry, disrupting all assunming around motor insurance. But are they worth the hassle?


Editor

Stuart Mackay & Lauren Bailie

Designer

Amit Parekh

File size

4.7MB

March 2018 Edition

All change at Standard Life Aberdeen

By Kirsty McLay

Two recent developents at Standard Life Aberdeen may represent significant milestones in their journey to becoming a major world player in the asset management industry.

Extreme change for extreme weather

By Lauren Bailie

What immediate concerns does our changing climate present, and what are insurers doing about them?

Riding the winds of change

By Joseph Mills

Student writer at The Actuary Joseph Mills takes inspiration from entrepreneur Elon Musk and explores the actuarial world’s future possibilities


Editor

Lewis Currie

Designer

Amit Parekh

File size

3.3MB

February 2018 Edition

The Bitcoin Bubble

By Lewis Currie

With the value of Bitcoin dropping 70% in just over a month, has the bubble burst?

University Pension Pot Headed for Trouble

By Kirsty McLay

Significant deficits are placing academic pensions in jeopardy, posing some difficult questions for actuaries.

Trust your Artificial Gut

By Lauren Bailie

Prosthetic limbs are a familiar part of the biomedical world for most, but what about artificial kidneys, lungs or even hearts? Why should the insurance industry be involved in this seemingly abstract realm of medical advancements?


Editor

Lewis Currie

Designer

Amit Parekh

File size

5.2MB

October 2017 Edition

Storm warning

By Kirsty McLay

With the increasing frequency of climatic events causing billions of dollars of damage, will providers of asset protection reassess their business model?

Automation: Miracle or Misfortune?

By Lauren Bailie

As artificial intelligence continues its rapid development, how real is the threat of automation to employment?

Fuelling The Future with Sky-High Premiums

By Jason Whalley

Student editor for The Actuary, Jason Whalley, on what the advent of self-driving vehicles might mean for actuaries.


Editor

Lewis Currie

Designer

Amit Parekh

File size

6MB

March 2017 Edition

Blockchain

By Amna Noor

Since the birth of Bitcoin, blockchains have been a hotly debated topic, gaining further momentum as new applications are discovered. But why is the insurance industry next to embrace it?

Actuarial Justice and Criminology

By Sotiris Zampelis

SAS Annual Conference 2017

By Una Liu


Editor

Amna Noor

Designer

Amit Parekh

File size

7.5MB

February 2017 Edition

Britain's Infrastructure Industry

By Ziqian Ling

Pre-Brexit, the social and economical benefits of Britain’s status in the EU have been hotly debated. With the results affirmed and the value of the sterling continuing to plummet, we must look at which sectors of the economy will be affected the most.

Growth of the Green Bond Market

By Zahra Sheikh

As climate change and its impacts continue to occupy the minds of investors, many 'ethical buyers' are sprouting up and buying Green Bonds. But what are they exactly?

50 Years of Mathematical Sciences

By Amna Noor


Editor

Amna Noor

Designer

Amit Parekh

File size

3.4MB

November 2016 Edition

Demand for Actuaries Increasing, now more than ever

By Amna Noor

'Big Data' modelling can help monitor disease outbreaks

By Sotiris Zampelis

Act-uarially understanding life reinsurance

By Panun Prasongpholchai

As with many other firms, life insurance companies also seek to protect themselves from risks involving their business, thus introducing the concept of reinsurance.


Editor

Amna Noor

Designer

Amit Parekh

File size

4.4MB

March 2016 Edition

Impact of Technology: Innovative shift

By Una Liu

Technology brings new opportunities with unique challenges in every industry, but the rewards can far exceed the cost. But what lies in store for the insurance industry in particular?

Hymans Robertson: A Graduate's Experience

By Stephen Jasinski

A first-hand account, from a Heriot-Watt alumni, on what it's like to be a graduate at Hymans Robertson.

SAS Conference 2016

By John Watret

Information on what topics were presented at this year's conference and what it means for students in the future.


Editor

John Watret

Designer

Amit Parekh

File size

4.3MB

February 2016 Edition

Brexit and its impact on UK Insurers

By L.K. Law

A potential Brexit has been widely discussed and theorised by many, for the economy as a whole and for the individual. But what could the impact be for British insurers in particular?

Pension reform to continue in 2016

By John Watret

As the UK continues down the path of austerity, pensions are being looked at again as a part of the welfare budget.

Are tontines due a comeback?

By Matthew Pianosi

With the decline of defined benefit pension schemes and the continued increase in lifespan, a large tontine scheme could help those with insufficient saving to fund their retirement.


Editor

John Watret

Designer

Amit Parekh

File size

3.9MB

November 2015 Edition

Demutualisation: Mutual benefit or mutual destruction

By L.K. Law

Demutualisation was a hot topic from the 1990s, but the hype died down after the financial crisis in 2008. Fewer institutions are doing it now, but the effects still remain.

How Pensions are changing

By Jason Eber

Pension schemes have been used to protect members against market risk. But now, the scheme is at risk of becoming underfunded.

Transition risk is real and needs to be addressed

By John Watret

Climate change is not being taken seriously enough. The risks are growing and if not tackled together, wrong decisions can be made.


Editor

John Watret

Designer

Amit Parekh

File size

4.8MB

March 2015 Edition

Pension Risk in Dual Perspective

By Amanda Ng

Health Insurance and the effect of Obamacare

By Jason Eber

How much does an occupational pension scheme cost?

By L.K. Law

SAS Conference

By John Watret


Editor

John Watret

File size

0.7MB

October 2014 Edition

Asia Welcomes UK Actuaries

By Richard Wijendra

Tesco - too big to go bust?

By Holly Burns

Scottish Independence - The effects on pensions

By Ben Bailey-Conlon

A day in the life at Hymans

By Craig Ritchie

'Money Challenge' as more hit 100

By L.K. Law


Editor

John Watret

File size

0.7MB

February 2014 Edition

Are smokers getting a better deal on their pension?

By John Watret

Will new legislation wash away the threats of flooding?

By Stephen Jasinsky & Ryan MacGregor

Qualifying as an actuary overseas

By Jia-Hui Liang


Editor

Jack Paton

File size

0.7MB

November 2013 Edition

Longevity: Will antibiotics be the end of us?

By John Watret

Quantitative easing

By Eric Wong

Typhoon Haiyan

By Holly Burns

Defined benefit & Contribution Pensions

By Jia-Hui Liang


Editor

Jack Paton

File size

0.7MB

October 2013 Edition

Actuarial Science: An introduction

By Jack Paton

Solvency II

By John Watret

The US Government Shutdown

By Jia-Hui Liang

Auto-Enrolment

By Xin Yung Lee


Editor

Jack Paton

File size

0.4MB

February 2012 Edition

Rising Motor insurance premiums

By Balqish Syahira Shair

The Eurozone Crisis: Credit agencies and Bailouts

By Jack Paton

Weather Woes

By Gaetano Donato

Student Seminar: The Start of Something New

By Anya Bach

These are 'Actuary' Funny

By Angelina Wong & Jeyamalar Thurai


Editor

Mei Chen, Soon

File size

0.5MB

November 2011 Edition

In Loving Memory: Prof. Roger Gray

By Neil Chada

Impact of the Credit crisis on insurance companies

By Jaimin Chudasama

The future in pensions: Auto-Enrolment

By Wan Fatin Hamini & Balqish Syahira Shair

Treating Consumers Fairly (TCF)

By Sweet Yin, Chua


Editor

Mei Chen, Soon

File size

0.5MB

October 2011 Edition

An introduction to actuarial science

By jack paton

The Contagious Eurozone Debt Crisis

By Sharifah Sakinah & Syarifah Norfatihah

Solvency II

By Natalia Piatkowska & Neil Chada

Will the insurance market crash?

By Eric Wong

Geek out!

By Jakub Julenyi

Laughter is the best medicine

By Gaetano & Dasha


Editor

Mei Chen, Soon

File size

0.5MB