求问各位大神Underwriter和Actuary工作职能上的区别

詹姆斯 发表于 2013-8-22 16:43
你是在说米国么？

美国也不是那样的。
财险保险公司的话，从后台到客户的结构大概是
actuary－＞staff underwriter －＞line underwriter －＞broker －＞client
staff UW 因为多数在总部，有时也叫head office UW；相对的，line UW 叫 regional UW
精算定价，然后总部核保的人做核保手册（UW manual），然后地区核保跟经纪人或者客户谈保单生意。
有些小公司甚至没有定价精算师，那么就是核保的人自己定价。

再保险的精算／核保跟保险公司里精算／核保工作性质不同，比如没有staff UW跟line UW的区别，但是以上的结构大致上是一样的。
reinsurance actuary－＞ reinsurance underwriter －＞reinsurance broker －＞client

咨询公司帮别的公司做准备金和少数定价，所以只有精算岗没有核保岗。

再保险代理公司有精算师跟再保经纪人，然后再保经纪人同时做着核保和经纪人的活。

maomaochongz 发表于 2013-8-22 22:01
美国也不是那样的。
财险保险公司的话，从后台到客户的结构大概是
actuary－＞staff underwriter －＞ ...

跟国内状况差不多,除了地区核保可能不做谈单生意以外,国内很多财险的核保虽然不定价,但是也都握有定价的决定权...
re 里面财险核保做什么呢，是不是就是类似直保财险的活，只是对个人能力要求更高一点，因为需要接触的业务更加广泛，而且风险控制的力度也更加大？

詹姆斯 发表于 2013-8-22 22:22
跟国内状况差不多,除了地区核保可能不做谈单生意以外,国内很多财险的核保虽然不定价,但是也都握有定价的决 ...

"很多财险的核保虽然不定价,但是也都握有定价的决定权" it's exactly the same story here, actuarial pricing is a support function. we only provide pricing analysis, but whether the UW buy-in to the results of the anlysis is completely up to them. of course being actuaries we'd like to believe our pricing technologies are more sophisticated in the stats framework but often times UW decisions are more "market driven"

to understand what reinsurance broker do...try to think about the difference between primary vs. re company. in primary, your clients are policyholders. in re, your clients are primary companies. this makes a huge difference  (for example claim adjusters at prime company will need to deal with desperate policyholders who recently suffered losses...and you need to challenge these ppl to detect potential frauds, it's a very depressing job talking to these people everyday and from time to time have people getting mad at you. On the other hand, reinsurance claim adjusters just process the data received from prim company, perform some analysis, validate the policy clauses and terms and just make advices to the legal team etc. it's pretty much stress-free.) <- I used claim adjuster as an example but hopefully this helps you understand the diff functionality for UW as well - in reinsuarnce company everything's done at a higher level.

btw pls excuse my input in english.... i can't easily type chinese at work since i switched company

maomaochongz 发表于 2013-8-22 23:00
btw pls excuse my input in english.... i can't easily type chinese at work since i switched company

哈哈,正在看pro 的mumual 感觉还蛮适应的。。新工作应该还不错吧。。
下次有空私下聊聊你的新工作

maomaochongz 发表于 2013-8-22 22:58
"很多财险的核保虽然不定价,但是也都握有定价的决定权" it's exactly the same story here, actuarial  ...

Thanks a lot. And I have another question from your answer.
As you said, in reinsurance claim adjuster take the data from prime company.
How could they escape from moral hazard and make sure the data reliable?
Is this the responsibility of underwriting in reinsurance?

詹姆斯 发表于 2013-8-22 23:07
哈哈,正在看pro 的mumual 感觉还蛮适应的。。新工作应该还不错吧。。
下次有空私下聊聊你的 ...

bellvictor 发表于 2013-8-22 23:27
Thanks a lot. And I have another question from your answer.
As you said, in reinsurance claim ad ...

good question, and the short answer is they don't
reinsurance claim adjusters simply have to rely on the data being provided....and it's the primary company's responsibily to ensure all data provided are accurate <- primary companies are getting paid for doing the extra work (mostly UW/sales related expense etc.) in the form called "ceding commission"

reinsurance UWs are somewhat like "brokers", so they "broke" insurance business & dealing with the primariy companies' reinsurance team.

詹姆斯 发表于 2013-8-22 16:42
看公司吧，至少有些公司的核保是医生，体现的是专业型人才的概念。。

我的意思不是他们都是精算师。。。。

我的意思是他们都是保险+某方面的复合型人才。

比如保险+地震，保险+水利，这种