Skip to content
ActNet
Companies & TeamsJobsCommunityStudy
Log inJoin ActNet
ActNet — The Actuarial Network
Careers · Community · Study

Build Your Actuarial Network.

Explore actuarial teams, discover opportunities, join the community, and study with people on the same path.

Discover More

Company & Team Maps

See where you fit before you reach out.

Explore Companies & TeamsThe teams, names and positions in this Intact preview are fictional examples for demonstration. Explore the site for source-supported team and role information.
ActNet · Companies & TeamsProduct preview
P&C insurer

Intact Financial Corporation

Montréal · Toronto · Calgary · Québec · Laval · St-Hyacinthe

OverviewJobsTeam map (3)Discussions

Grouped by team and career level. These illustrative teams do not imply reporting relationships.

Finance & Risk

Corporate Actuarial

Understand claims development, estimate reserves, and explain portfolio results.

Illustrative team6 people
Personal Insurance

Personal Insurance Pricing

Build rating models and turn personal auto and property experience into pricing decisions.

Illustrative team4 people
Commercial Insurance

Commercial Insurance Pricing

Work with underwriting partners on commercial portfolios and pricing strategy.

Illustrative team4 people
Companies & Teams › Intact › Corporate Actuarial
Intact / Finance & Risk

Corporate Actuarial

Toronto, ON · Montréal, QC

What this team does

Understand claims development, estimate reserves, and explain portfolio results.

Fictional teams, people and positions · Homepage demonstration.

People & roles

Grouped by career level

Director / 1

MB

Maya Bennett

Director, Corporate Actuarial

Toronto, ON

Fictional example

Manager / 1

EP

Ethan Park

Manager, Actuarial

Toronto, ON

Fictional example

Senior Actuarial Analyst / 2

SC

Sofia Chen

Senior Actuarial Analyst

Toronto, ON

Fictional example
NP

Noah Patel

Senior Actuarial Analyst

Toronto, ON

Fictional example

Actuarial Analyst / 2

LB

Lena Brooks

Actuarial Analyst

Toronto, ON

Fictional example
OR

Oliver Reed

Actuarial Analyst

Toronto, ON

Fictional example
Team mapPeople & rolesAuto preview

Jobs, With Context

A job posting is only the beginning.

Browse Actuarial Jobs
ActNet · JobsProduct preview

Your next chapter starts here.

Actuarial opportunities. The teams behind them. A clearer path forward.

Job title, skill, or company
Search
Current opportunitiesNewest first
Intact Financial Corporation

Senior Analyst, Actuarial

Toronto, ONHybrid87,200 – 106,600
Corporate ActuarialSenior Actuarial Analyst
Added Sep 28Source synced
RBC Insurance

Associate Director, Individual Life Valuation

MISSISSAUGA, ON
Posted Oct 1Source synced
AIG Canada

Reserving Actuarial Specialist

Sao Paulo
Reinsurance
Posted Oct 1Source synced
Intact Financial Corporation

Stagiaire en Actuariat - Co-op/ Stage 4 mois (Hiver 2027, Automne 2027 & Été 2027)

Montréal, QC
ReinsuranceIntern / Co-op
Posted Oct 1Source synced
TD Insurance

Manager, Actuarial

Toronto, ON
P&C ReservingManager
Posted Oct 1Source synced
Chubb Canada

Chubb Life HK - Manager, Product Pricing

Hong Kong
Life Pricing
Posted Sep 30Source synced
TD Insurance

Actuarial Analyst II

Toronto, ONOn-site
Posted Sep 30Source synced
Sun Life

Product Pricing Lead

Jakarta Selatan
Reinsurance
Posted Sep 30Source synced
Jobs ›Intact Financial Corporation›Opportunity
Intact Financial Corporation

First seen Sep 28 · Open

Original source: Intact Careers · R154060 ↗Always confirm requirements with the employer.

Senior Analyst, Actuarial

Toronto, ONHybrid
Corporate ActuarialSenior Actuarial Analyst

Practice area and career level are ActNet classifications. Team affiliation is only shown when supported by a public source.

Employer salary range
87,200 – 106,600Currency not stated; pay period not stated
Experience
3+ years
Credential
ACAS preferred
Exam requirements
Not specified

About this opportunity

Pay at Intact is about much more than just salary.About the roleWhat you'll do here:What you bring to the table:

Our employees are at the heart of everything we do. Together, we help people, businesses, and society prosper in good times and be resilient in bad times.

Our employee promise represents Intact’s commitment to you in exchange for living our Values, striving to do your best work, being open to change and investing in your career. In return, we promise to provide support, opportunities and performance-led financial rewards at a workplace where you can shape the future, win as a team and grow with us.

Pay at Intact is about much more than just salary.

  • Flexible work arrangements and a hybrid work model

  • Possibility to purchase up to 5 extra days off per year

  • Multiple benefits offered to support physical and mental wellbeing, including telemedicine, Wellness account and much more

  • Share plan & other savings: up to 12% of salary or even more (ask how you could earn guaranteed income for life)

Salary range (but not limited to):

87,200 - 106,600

Annual bonus target, based on the base salary, with a potential payout of up to double the target (subject to personal and company performance):

10%

As part of our commitment to Win As A Team, we share our success with employees through our annual bonus plan and Employee Share Purchase Plan (ESPP) – with Intact matching 50% of your net shares.

Our pension offerings provide flexibility and long-term security for our employees beyond their careers. We are one of the few companies offering the opportunity to receive guaranteed income for life via our defined benefit pension plan.

Salary for the candidate will be determined taking into consideration a number of factors including: experience, skills, qualifications, anticipated contribution to role, internal equity, etc. The salary range presented above is based on a 35-hour workweek and would represent a majority of different candidate profiles. However, we encourage candidates who may fall outside of this range to apply as well.

About the role

We’re on the lookout for new talent for our growing teams. We’re currently seeking Senior Actuarial Analysts!

What you'll do here:

  • Use your expertise to resolve complex problems and help your colleagues in doing the same by sharing your actuarial knowledge.
  • Work autonomously on challenging, strategic projects in areas such as: ratemaking, reinsurance, corporate planning, data science, reserving and more.
  • Drive change by improving work processes and making substantial observations, conclusions and recommendations.
  • Help guide and prioritize the team’s work and coach effectively to strengthen both individual and group success.
  • Share the conclusions of your analysis to the appropriate stakeholders and make recommendations within the established timelines.

What you bring to the table:

  • University Degree or any combination of equivalent education and experience.
  • Certifications in Mathematics, Actuarial, ACAS preferred.
  • 3 years or more of actuarial experience (preferably in the P&C Insurance sector).
  • Good knowledge of Python, VBA, R or SAS.
  • Desirable competencies: adaptability, innovative, analytical, decision making, critical thinking, stellar communication, planning and organizing, team oriented.
  • No Canadian work experience required however must be eligible to work in Canada.

#LI-Hybrid

Il s'agit d'un nouveau rôle au sein de notre équipe en pleine croissance | This role is a new member of our growing team.


We are an equal opportunity employer

At Intact, our Value of respect is founded on seeing diversity as a strength. We strive to create an accessible workplace where employees feel valued, included and encouraged to share their unique perspectives.

We encourage applications from individuals who are members of equity-deserving groups, including but not limited to women, Indigenous peoples, persons with disabilities, Black people, and members of the 2SLGBTQI+ community.

As part of Intact’s commitment to reconciliation, we acknowledge that we work, meet and travel across the land currently called Canada, originally inhabited by First Nations, Metis and Inuit people. This history extends through many centuries and continues to evolve today.

We have policies to ensure equal access and participation for people with disabilities, including providing workplace adjustments (accommodations). A copy of applicable policies is available on request.

If we can provide a specific adjustment to make the recruitment process more accessible for you, please let us know when we reach out about a job opportunity. We’ll work with you to meet your needs.

Learn more about our recruitment process and your candidate journey here.

Please note that Intact does not provide sponsorship or other support for immigration-related matters including but not limited to employer-specific closed work permits. Candidates must be eligible to work in Canada from the anticipated start date and throughout their employment and are solely responsible for maintaining their work eligibility.

If you are an employee of Intact or belairdirect, please apply for this role on Internal Career Site.

Your next move

Applications are handled by the employer.

Apply on company site No application documents are collected here.
Current opportunitiesFull job descriptionAuto preview

Study Together

One question. A clearer understanding.

Explore StudyActNet official study guides with original worked examples.
ActNet · StudyProduct preview
Study›SOA›Exam P
SOA pathwayCAS pathway
Shared by SOA & CAS

Exam P

Probability concepts, original examples and study guides.

Your exam board

Exam P · Probability

Study discussions

Latest
Search discussions
Search
↑0
Exam P · Explanation

P: Choose the random variable before choosing a distribution

Common mistakes arise from modelling the wrong count or waiting time. Define what is counted, the observation window and any conditioning. A distribution name should follow those choices, rather than the appearance of a familiar keyword.

Worked example or practice scenario

In a toy homogeneous Poisson process with rate 2 per hour, N(3) has mean 6. The wait until the first event has exponential rate 2 and mean .5 hour. The wait until the third event has a different distribution and mean 1.5 hours.

Try this next

Write three different questions about the same process: a count in a fixed window, no event before a time, and the third arrival time. Check that each answer’s units match the variable. Do not use these assumptions for changing-rate processes without adjustment.

Reading sources

  • Official syllabus and resources

ActNet editorial guide · October 1, 2026 · Original illustrative examples.

ActNet Official · Sharing post0 replies
↑0
Exam P · Explanation

P: Conditional densities require a new support

ActNet Official · Sharing post0 replies
↑0
Exam P · Explanation

P: Total variance includes variation between groups

ActNet Official · Sharing post0 replies
Exam P›Sharing post
Exam P · Explanation

P: Choose the random variable before choosing a distribution

AN
ActNet Official · Sharing post

Editorial guide · Oct 1

Common mistakes arise from modelling the wrong count or waiting time. Define what is counted, the observation window and any conditioning. A distribution name should follow those choices, rather than the appearance of a familiar keyword.

Worked example or practice scenario

In a toy homogeneous Poisson process with rate 2 per hour, N(3) has mean 6. The wait until the first event has exponential rate 2 and mean .5 hour. The wait until the third event has a different distribution and mean 1.5 hours.

Try this next

Write three different questions about the same process: a count in a fixed window, no event before a time, and the third arrival time. Check that each answer’s units match the variable. Do not use these assumptions for changing-rate processes without adjustment.

Reading sources

  • Official syllabus and resources

ActNet editorial guide · October 1, 2026 · Original illustrative examples.

↑ 00 replies
Study guidesWorked explanationAuto preview

Community

A little perspective goes a long way.

Explore The CommunityActNet official sharing posts about actuarial work.
ActNet · CommunityProduct preview

A little perspective goes a long way.

Career questions, actuarial conversations, and people who get it.

Search conversations, questions, or topics
Search

All discussions

Latest
↑0
Actuarial practice · Explanation

Pricing work: from rate indication to an implemented rate

A rate indication estimates the change needed for a defined portfolio under selected assumptions. It is not automatically the increase customers receive.

The analyst’s deliverables

A reproducible indication workbook or pipeline typically connects:

  1. Earned premium and exposure reconciled to source systems.
  2. Premium adjusted to a common rate level.
  3. Claims developed to ultimate and trended to the future exposure period.
  4. Large-loss treatment, catastrophe provision and relevant reinsurance costs.
  5. Fixed and variable expenses, with a stated profit or return assumption.
  6. Sensitivities and a recommendation explaining the main drivers.

A deliberately simple example

Suppose projected loss and loss-adjustment expense is 76 per exposure, current premium is 100, variable expenses are 25% of premium, and the selected margin is 5%. With no fixed expense in this toy model, required premium is 76 ÷ (1 − .25 − .05) = 108.57: an 8.57% indication.

That result does not by itself answer whether to implement 8.57%. Product teams still consider regulatory requirements, changes by segment, distribution, retention and effective dates. An implementation can differ from the indication; the decision and its expected consequences should be documented.

Routine versus project

Refreshing data, validating trends and explaining actual-versus-expected results is recurring work. Replacing the indication methodology or redesigning the rating plan is a project with testing, review and implementation dependencies.

Reading sources

  • CAS · Basic Ratemaking

ActNet editorial guide · October 1, 2026 · Original illustrative examples.

ActNet Official · Sharing post0 replies
↑0
Actuarial practice · Explanation

Before changing a development factor, diagnose the triangle

An unexpected age-to-age factor is a signal to investigate, not a complete explanation. Start with the data and the claims process.

Three directions to read

  • Origin periods: differences in underwriting, exposure or initial loss mix.
  • Development ages: settlement speed, reporting delays and tail behaviour.
  • Calendar diagonals: inflation, operational changes or a claims-system conversion affecting several origin years at once.

A useful diagnostic pack

Show paid, incurred, case outstanding, claim counts and average claim amounts. Compare results with and without separately identified large claims. Document whether recoveries and allocated expenses are treated consistently. Reconcile the same valuation date across all exhibits.

Imagine incurred development accelerates while paid development barely changes. A change in case-reserve practice is one possible explanation; faster payment is another hypothesis that the paid data can challenge. Talk to claims colleagues rather than forcing both triangles to tell the same story.

Selection and communication

If recent factors are distorted, alternatives may include different averaging windows, segmentation or a method less dependent on immature experience. Record what changed, the reason, the impact on ultimate losses and what future observation would invalidate the selection.

The deliverable is not just a factor table. It is a reviewable chain from data issue to assumption to financial effect, with remaining uncertainty made explicit.

Reading sources

  • CAS · Exam 5 readings and resources

ActNet editorial guide · October 1, 2026 · Original illustrative examples.

ActNet Official · Sharing post0 replies
↑0
Companies & teams · Explanation

Insurer, reinsurer, MGA or consultancy: who owns the risk?

The company label tells you less than the flow of premium, claims and decision authority. Start with who issues the policy and bears the insured loss.

Five business models

  • Direct insurer: prices policies and holds claims liabilities. Pricing, reserving, finance and capital teams work on different views of the same portfolio.
  • Reinsurer: accepts defined layers or shares of another insurer’s risk. Treaty wording, cedant data quality and accumulation across cedants matter alongside expected losses.
  • MGA: may have delegated underwriting authority from a carrier. It can design products and manage distribution without automatically carrying the insurance liability itself. Ask who sets rates and who signs off changes.
  • Broker: arranges coverage for clients. Analytical roles can focus on placement, catastrophe exposure, benchmarking or programme design rather than statutory insurer reserves.
  • Consultancy: produces advice for a client: a reserve review, pension valuation, pricing model or transaction assessment. The engagement defines the deliverable and the decision maker.

What to ask about a vacancy

“Who uses this analysis, and what decision does it change?” is more informative than asking whether the role involves modelling. A pricing analyst at a carrier might maintain a production rating plan; a consulting analyst might build a model and hand over documentation. Neither description alone establishes the proportion of routine work.

These are operating-model distinctions, not a claim about any named employer’s internal teams. Licensing, delegated authority and risk ownership must be checked for the specific legal entity.

Reading sources

  • CAS · Basic Ratemaking
  • CIA · Standards of Practice

ActNet editorial guide · October 1, 2026 · Original illustrative examples.

ActNet Official · Sharing post0 replies
Practice›Sharing post
Practice · Explanation

Pricing work: from rate indication to an implemented rate

AN
ActNet Official · Sharing post

Editorial guide · Oct 1

A rate indication estimates the change needed for a defined portfolio under selected assumptions. It is not automatically the increase customers receive.

The analyst’s deliverables

A reproducible indication workbook or pipeline typically connects:

  1. Earned premium and exposure reconciled to source systems.
  2. Premium adjusted to a common rate level.
  3. Claims developed to ultimate and trended to the future exposure period.
  4. Large-loss treatment, catastrophe provision and relevant reinsurance costs.
  5. Fixed and variable expenses, with a stated profit or return assumption.
  6. Sensitivities and a recommendation explaining the main drivers.

A deliberately simple example

Suppose projected loss and loss-adjustment expense is 76 per exposure, current premium is 100, variable expenses are 25% of premium, and the selected margin is 5%. With no fixed expense in this toy model, required premium is 76 ÷ (1 − .25 − .05) = 108.57: an 8.57% indication.

That result does not by itself answer whether to implement 8.57%. Product teams still consider regulatory requirements, changes by segment, distribution, retention and effective dates. An implementation can differ from the indication; the decision and its expected consequences should be documented.

Routine versus project

Refreshing data, validating trends and explaining actual-versus-expected results is recurring work. Replacing the indication methodology or redesigning the rating plan is a project with testing, review and implementation dependencies.

Reading sources

  • CAS · Basic Ratemaking

ActNet editorial guide · October 1, 2026 · Original illustrative examples.

↑ 00 replies
Official sharing postsInside the workAuto preview
The Actuarial Network

Careers, Community, and Study — in One Actuarial Network.

Explore.Connect.Learn.Grow.

Build the network you will use throughout your actuarial career.

Join ActNet
© 2026 ActNet · The Actuarial Network.
Community guidelinesPrivacyAbout ActNet