An Overview of Actuarial Profession in Insurance Industry: The Case of Turkey

Öz

Actuary is a qualified profession related with analyzing financial influence of risk for businesses via application of mathematical and statistical skills. Actuaries foresee and minimize financial uncertainty. Actuary is the professional title given to a person who employs statistical techniques and mathematical skills to evaluate the probability and financial consequences of an event. The aim of this paper is to introduce the profession of actuary with particular reference to finance industry and –in particular- insurance industry. Literature on this profession is rather scarce, but this profession is becoming more attractive and necessary given the growing economic activity and business in Turkey as an emerging economy. Financial risks increase in line with the inclining business activity due to the fact that the spectrum of risks develops in today’s business. This study covers the application of actuary in Turkey where life-insurance and private pension line of business have improved significantly since 2000 with growing asset under management and number of the insured.

Anahtar Kelimeler

• Actuary
• Insurance
• Life Insurance and Pension Industry

Aktüerya Mesleğinin Sigortacılık Sektörü Özelinde Genel Değerlendirmesi: Türkiye Örneği

Öz

Aktüerlik, matematiksel ve istatistiksel becerilerin uygulanması yoluyla işletmeler için riskin finansal etkisini analiz etmekle ilgili nitelikli bir meslektir. Aktüerler finansal belirsizliği öngörür ve en aza indirir. Aktüerya, bir olayın olasılığını ve finansal sonuçlarını değerlendirmek için istatistiksel teknikler ve matematiksel beceriler kullanan bir kişiye verilen profesyonel unvandır. Bu makalenin amacı, finans sektörü ve özellikle sigorta sektörü özelinde aktüerlik mesleğini tanıtmaktır. Bu mesleğe ilişkin literatür oldukça azdır, ancak yükselen bir ekonomi olarak Türkiye'de artan ekonomik faaliyet ve ticaret göz önüne alındığında bu meslek daha önemli ve gerekli hale gelmektedir. Günümüz iş dünyasında risk yelpazesinin gelişmesi nedeniyle, artan ticari faaliyete paralel olarak finansal riskler de artmaktadır. Bu çalışma, hayat sigortası ve bireysel emeklilik işkolunun 2000 yılından bu yana artan aktif büyüklüğü ve sigortalı sayısı ile önemli ölçüde geliştiği Türkiye'deki aktüerya uygulamasını kapsamaktadır.

Anahtar Kelimeler

• Aktüerya
• Sigortacılık
• Hayat ve Emeklilik Sigortası

Kaynakça

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