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Life Insurance Actuary Jobs (NOW HIRING)

Ethos Life

Product Performance Actuary

$150K - $266K/yr

We're seeking someone with a strong foundation in life insurance mortality modeling who brings deep actuarial expertise and enjoys tackling open-ended problems. Building new methodologies where ...

AAA Life Insurance Company

Actuary

Livonia, MI · On-site +1

... the Actuary may have wide range of responsibilities that may include but not be limited to ... Lead pricing analyses for life insurance products across multiple channels. * Evaluate ...

AAA Life Insurance Company

Actuary

Livonia, MI · On-site

$150 - $200/hr

... the Actuary may have wide range of responsibilities that may include but not be limited to ... Lead pricing analyses for life insurance products across multiple channels. * Evaluate ...

AAA Life Insurance Company

Actuary

Livonia, MI · On-site +1

... the Actuary may have wide range of responsibilities that may include but not be limited to ... Lead pricing analyses for life insurance products across multiple channels. * Evaluate ...

RSM Global

Life Actuary

Minimum of 10+ years professional experience in a Life insurance company, financial services or ... Knowledge of actuarial concepts: financial modeling and analysis, statutory valuation and reserving ...

Deloitte

Life Actuary Consultant

Detroit, MI · On-site

Work you'll do As an Actuarial Consultant on the Insights, Innovation & Operate team, you will be ... Monitor life insurance and annuity product, market, and regulatory developments to anticipate ...

Deloitte

Life Actuary Consultant

Stamford, CT · On-site

Work you'll do As an Actuarial Consultant on the Insights, Innovation & Operate team, you will be ... Monitor life insurance and annuity product, market, and regulatory developments to anticipate ...

AAA Life Insurance Company

Actuary

Livonia, MI · Hybrid

Lead pricing analyses for life insurance products across multiple channels. * Evaluate ... Translate complex actuarial analyses into practical business recommendations. Regulation and ...

Deloitte

Life Actuary Consultant

Saint Louis, MO · On-site

Work you'll do As an Actuarial Consultant on the Insights, Innovation & Operate team, you will be ... Monitor life insurance and annuity product, market, and regulatory developments to anticipate ...

Deloitte

Life Actuary Consultant

Charlotte, NC · On-site

Work you'll do As an Actuarial Consultant on the Insights, Innovation & Operate team, you will be ... Monitor life insurance and annuity product, market, and regulatory developments to anticipate ...

Deloitte

Life Actuary Consultant

San Jose, CA · On-site

Work you'll do As an Actuarial Consultant on the Insights, Innovation & Operate team, you will be ... Monitor life insurance and annuity product, market, and regulatory developments to anticipate ...

Deloitte

Life Actuary Consultant

Dallas, TX · On-site

Work you'll do As an Actuarial Consultant on the Insights, Innovation & Operate team, you will be ... Monitor life insurance and annuity product, market, and regulatory developments to anticipate ...

Deloitte

Life Actuary Consultant

Seattle, WA · On-site

Work you'll do As an Actuarial Consultant on the Insights, Innovation & Operate team, you will be ... Monitor life insurance and annuity product, market, and regulatory developments to anticipate ...

Deloitte

Life Actuary Consultant

Austin, TX · On-site

Work you'll do As an Actuarial Consultant on the Insights, Innovation & Operate team, you will be ... Monitor life insurance and annuity product, market, and regulatory developments to anticipate ...

RSM

Life Actuary

Minimum of 10+ years professional experience in a Life insurance company, financial services or ... Knowledge of actuarial concepts: financial modeling and analysis, statutory valuation and reserving ...

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Life Insurance Actuary information

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How much do life insurance actuary jobs pay per year?

As of Sep 9, 2026, the average yearly pay for life insurance actuary in the United States is $88,978.00, according to ZipRecruiter salary data. Most workers in this role earn between $79,500.00 and $98,500.00 per year, depending on experience, location, and employer.

What does a life insurance actuary do?

A life insurance actuary helps determine pricing for life insurance policies to minimize cost and risk. As a life insurance actuary, your duties include assessing risk and uncertainty among customer bases, performing financial analysis, and creating reports for salespeople and management. Qualifications for becoming a life insurance actuary typically include a bachelor’s degree in mathematics, actuarial science, or a related field, as well as professional actuary certification. Many candidates gain relevant job experience and skills through summer internships or by starting at a different position at an insurance firm. Other useful skills include strong attention to detail, excellent written and verbal communication, and analytical problem-solving abilities.

What does a life insurance actuary do?

A Life Insurance Actuary is a professional who uses mathematics, statistics, and financial theory to analyze and manage risks related to life insurance policies. They calculate premiums, reserves, and dividends, as well as evaluate the likelihood of future events such as mortality rates. Actuaries also help design insurance products and ensure that life insurance companies remain financially stable. Their work is crucial for pricing policies accurately and protecting both the company and policyholders.

What are the key skills and qualifications needed to thrive as a life insurance actuary, and why are they important?

To thrive as a Life Insurance Actuary, you need a strong background in mathematics, statistics, and actuarial science, typically supported by a relevant degree and progress toward actuarial certification (such as SOA exams). Proficiency with actuarial modeling software, spreadsheets, and risk analysis tools is essential for daily work. Analytical thinking, attention to detail, and effective communication skills help actuaries explain complex concepts and collaborate with colleagues. These skills are vital for accurately assessing risk, developing insurance products, and ensuring sound financial decision-making within insurance companies.

What are some common challenges faced by life insurance actuaries, and how can they be addressed?

Life Insurance Actuaries often face challenges such as keeping up with changing regulations, accurately modeling long-term risks, and effectively communicating complex findings to non-technical stakeholders. Staying current with industry standards and continuous professional development are essential to address regulatory shifts. Collaborating closely with underwriters, product managers, and IT teams can also help actuaries ensure models are practical and data is reliable. Developing strong communication skills is crucial for translating technical analysis into actionable business insights.

What is the difference between Life Insurance Actuary vs Pension Actuary?

AspectLife Insurance ActuaryPension Actuary
Required CredentialsFellowship in actuarial societies (e.g., SOA, CAS)Fellowship in actuarial societies (e.g., SOA)
Work EnvironmentInsurance companies, consulting firmsRetirement plan providers, consulting firms
Industry UsagePrimarily insurance industryPrimarily pension and retirement industry
Common Search/ComparisonYesYes

The main difference between a Life Insurance Actuary and a Pension Actuary lies in their focus areas. Life Insurance Actuaries primarily assess risks and set premiums for life insurance products, while Pension Actuaries focus on designing and valuing retirement plans. Both roles require similar credentials and often work in related industries, but their specific expertise and client needs differ.

Do life insurance actuaries make a lot of money?

Life insurance actuaries typically earn high salaries due to their specialized skills in risk assessment and financial modeling. Entry-level salaries often start around $60,000 to $80,000 annually, with experienced professionals earning over $150,000, especially those with professional certifications like the ASA or FSA. Compensation can also include bonuses and benefits, reflecting the demand for their expertise in the insurance industry.

How much does a life insurance actuary make?

A life insurance actuary's salary typically ranges from $70,000 to over $200,000 annually, depending on experience, certification level, and geographic location. Entry-level actuaries usually earn lower salaries, while those with professional credentials like the ASA or FSA and several years of experience can earn higher compensation, often supplemented with bonuses and benefits.
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Life Insurance Actuary jobs near you
Infographic showing various Life Insurance Actuary job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 73% Full Time, 21% Part Time, and 5% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $88,978 per year, or $42.8 per hour.

Product Performance Actuary

Remote

Ethos Life
See more jobs at Ethos Lifeexternal

$150K - $266K/yr

Full-time

Re-posted 8 days ago

Job description

About the role

Ethos is looking for an experienced actuary to lead our mortality analytics and actuarial assumption modeling. You will serve as the company's expert on mortality, translating complex insights into strategies that improve our product competitiveness and financial integrity.

We're seeking someone with a strong foundation in life insurance mortality modeling who brings deep actuarial expertise and enjoys tackling open-ended problems. Building new methodologies where playbooks don't exist. You're energized by the chance to apply AI and emerging techniques to problems insurance companies have solved the same way for decades, and you know how to align actuarial rigor with product velocity across finance, product, and underwriting teams.

If you're excited about pushing the boundaries of actuarial science while maintaining rigor and reliability, we'd love to hear from you.

Duties and Responsibilities:

  • Own mortality-related assumptions and other actuarial inputs across product development, forecasting, and financial reporting.
  • Lead the development and maintenance of expected mortality models, assumption frameworks, and experience studies.
  • Leverage leading data points, such as post-issue audit data and mortality risk scores, to predict mortality before experience is fully credible.
  • Monitor actual-to-expected mortality experience and work collaboratively with underwriting and data science teams.
  • Design and complete protective value studies to quantify the mortality lift of underwriting requirements.
  • Quantify the impact of applicant behavior on overall expected mortality and mortality curve shapes.
  • Utilize AI to accelerate pace of insights and maximize business impact.
  • Serve as the Ethos mortality subject matter expert, advising senior leaders internally and engaging with key partners externally, translating technical work into actionable business recommendations.

Qualifications and Skills:

  • FSA or near-FSA designation preferred; experienced ASA candidates considered.
  • 5+ years of experience in life insurance actuarial roles with exposure to both mortality and underwriting models.
  • Proven ability to translate third-party data, post-issue audits, and other leading indicators into expected mortality outcomes.
  • Experience with assumption setting for life insurance pricing, forecasting, or valuation across a broad range of products.
  • Track record of partnering with finance, product, and underwriting teams-aligning actuarial rigor with business velocity.
  • Familiarity with modern data tools and pipelines (SQL, dbt, Snowflake, etc.).
  • Strong statistical modeling skills in R or Python.
  • Proficiency with Excel and actuarial modeling tools.
  • Excellent communication skills, able to translate technical work for non-actuarial audiences.

#LI-Remote  #LI-CM1

The US national base salary range for this full-time position is $150,000 -$266,000. Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. 

Please note that the compensation details listed in US role postings reflect the base salary only and do not include applicable bonus, equity, or benefits. 

You can find further details of our US benefits at https://www.ethoslife.com/careers/

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