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Latest research and analysis from the Institute

Explore insights, stories and technical analysis from actuaries working across a range of issues.

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1 CPD Point

Gold health insurance: the problem we created — and how to fix it

How regulatory gaps undermined community rating in private health insurance and what changes to risk equalisation and product structure could help fix Gold cover affordability.

Dimity Gartzionis

22 June 2026

1 CPD Point

Career case study: Nathasia Kumala — an actuary across Asia and Australia

From life insurance in Asia to general insurance in Australia, actuary Nathasia Kumala shares what shaped her career, the skills that matter most and advice for those starting out.

Actuaries Institute

18 June 2026

Danielle Wood speaks on stage at the 2026 All Actuaries Summit, Melbourne Convention and Exhibition Centre.Danielle Wood speaks on stage at the 2026 All Actuaries Summit, Melbourne Convention and Exhibition Centre.

1 CPD Point

The reform agenda Australia needs: Lessons from the Productivity Commission

Productivity Commission Chair Danielle Wood outlined Australia's productivity challenge and the reform agenda ahead and explained why the actuarial profession has a distinctive role to play in her keynote session at the 2026 All Actuaries Summit.

Actuaries Institute

15 June 2026

Happy diverse couple enjoying in their snack while watching a movie in theatre.

1 CPD Point

They're making an actuarial movie? A Critical Line Puzzle

mystery subtitle, a missing writer, and a cutting room clue. Can you solve the Actuary-Man 2 puzzle? Submit your answer by 1 July for a chance to win.

James Lindesay

14 June 2026

1 CPD Point

Four-time student prize winner Aniket Panesar's study secrets

Aniket Panesar won the Andrew Prescott Prize four times while working full-time. Read his study approach and take the next step in your actuarial journey.

Actuaries Institute

11 June 2026

Aerial view of sea transportation of general cargo ship in Istanbul Strait

1 CPD Point

When conflict becomes complexity: Managing geopolitical risk

The 2026 Middle East conflict shows how geopolitical shocks become systemic risks. Here's what insurers and risk professionals need to know about indirect impacts.

Irene Yiu

9 June 2026

A grid of nine images that contain screenshot of the 2026 Volunteer of the Year Award winners against a transparent background

1 CPD Point

A profession built by volunteers: Celebrating Our 2026 Volunteer of the Year Award winners

Meet the 2026 Actuaries Institute Volunteer of the Year Award recipients — nine Members whose contributions are shaping the profession for years to come.

Actuaries Institute

4 June 2026

Rear view of a businesswoman addressing a meeting in office

1 CPD Point

Leadership: The presidential perspective

Six past presidents of the Actuaries Institute share what it really takes to lead a profession — from humility and purpose to influence without authority.

Martin Mulcare

2 June 2026

Hands of businessman gesturing ideas decisions with pen pointing leadership to work colleagues in business meeting at board room conference table

1 CPD Point

What is third-party risk? CPS 230 explained

APRA's CPS 230 puts third-party risk front of mind for financial institutions. Here's what it means, why it matters and what the HESTA case study reveals.

Risk Insights Working Group

2 June 2026

Two business professionals, a woman and a man, walk down exterior stairs beside a glass-fronted building

1 CPD Point

The Asia actuarial job market in 2026: What recruiters are seeing

Phildon Group recruiters Luke Mattingly and Harry Ruan unpack actuarial hiring trends across Asia, from emerging markets to AI skills and career-future-proofing advice.

Actuaries Institute

31 May 2026

Building business skyscrapers in the Financial District Sydney, Australia

1 CPD Point

Actuarial skills in securitisation

In the last edition of this series, discover the roles actuaries can play in securitisation and why their technical and communication skills make them well suited to this growing industry.

Liam Murphy, George Nassios, Joey Chen, Phillip Everett

28 May 2026

1 CPD Point

Maathu Ranjan: Why governance capability is a career advantage

Maathu Ranjan, the Actuaries Institute's incoming 2028 President, shares how pursuing governance education mid-career has sharpened her leadership and opened unexpected professional doors.

Actuaries Institute

25 May 2026

1 CPD Point

An actuary abroad: Why two Sydneysiders said yes to Asia

Dan Wang and Grover Lin share what it's really like to take an Australian actuarial career to Asia — the growth, the challenges and the rewards.

Robert Xu

19 May 2026

Rock band performing on stage, guitarist in a leather jacket celebrating a successful concert with devoted audience. Footage from the back.

1 CPD Point

Don’t forget the lyrics: Can song sentiment predict Eurovision results?

YDAWG applies sentiment analysis and machine learning to Eurovision song lyrics to test whether words alone can predict a winner.

Lachlan Clark, Ean Chan, Justin McGee Odger

13 May 2026

1 CPD Point

Securitisation is born

In Part 2 of this series, learn the core mechanics of securitisation — asset pools, note structures and Special Purpose Vehicles — and how they parallel life insurance concepts familiar to actuaries.

Liam Murphy, George Nassios, Joey Chen, Phillip Everett

12 May 2026

The teenage girl describes her symptoms as the nurse practitioner listens closely.

1 CPD Point

Why does the risk equalisation system need reform?

The current risk equalisation scheme is drifting with 56% of hospital claims projected to fall under RE within a decade. Here's the case for reform.

Simon Lim

11 May 2026

Australian Actuaries Intergenerational Equity Index Spotlight on the Australian Tax and Transfer System

A Report providing a detailed picture of how Australians contribute to, and benefit from, the tax and transfer system at different stages of life.

Read the Report

Thought leadership and public policy

More thought leadership

Report

2 CPD Points

Australian Actuaries Intergenerational Equity Index: Cracking the Unsolved Generational Equation

A Report analysing 25 years of data to examine how the wealth and wellbeing of different generations has changed and what policy can do about it.

Hugh Miller, Laura Dixie and Shams Mehry

30 April 2026

Dialogue Paper

2 CPD Points

It's Time: Here's How to Turn Superannuation into a Retirement Income System

A Dialogue Paper proposing a three-part reform package to help superannuation deliver on its core purpose: income in retirement for all Australians.

Nick Callil and David Knox

16 April 2026

Report

2 CPD Points

Mobilising Investment for Climate Adaptation

A Report discussing solutions to the challenges of negative economic and social impacts of climate change and recommendations for valuing, coordinating and financing adaptation investment.

Ramona Meyricke, Fergus Pitt and Sarah Wood

24 November 2025

Dialogue Paper

2 CPD Points

Introduction to Quantum Computing

A Dialogue Paper examining quantum computing's potential to reshape data processing, cybersecurity and complex modelling systems across industries.

Dr Anthony Lowe and Dr Michael Walker

17 November 2025

Report

2 CPD Points

Mortality in Australia and the Rest of the World in 2024

A Report examining mortality trends in Australia and globally following the COVID-19 pandemic and its ongoing impact on population health.

Mortality Sub-Committee

12 November 2025

Report

2 CPD Points

The Mental Health Financial Safety Net

A Report examining how Australia's 22 mental health funding supports can be unified to deliver more cohesive, equitable and timely care.

Cindy Lau, Hayley Caulfield and Felix Tang

31 October 2025

Discussion Paper

2 CPD Points

Financial Advice Reform and Help, Guidance and Advice

A Discussion Paper proposing a principles-based framework to make financial support more accessible and trustworthy for all Australians.

Andrew Gale, Stephen Huppert, Michael Rice, Giacomo Tarantolo, Peter Crump and Melanie Dunn

28 October 2025

Dialogue Paper

2 CPD Points

Where Are Australia’s Data Science Leaders? The Case for Technical Career Pathways

This Dialogue Paper examines why Australian companies must urgently create leadership pathways for tech professionals.

Victor Bajanov

14 October 2025

Dialogue Paper

2 CPD Points

Reinsurance Explained: A Pillar of Strength for General Insurers

Explore how reinsurance supports affordability and resilience in Australia’s insurance market amid rising natural disaster costs and climate change.

Kate Bible

1 September 2025

Public Policy Position Statement

1 CPD Point

Group Insurance in Superannuation Public Policy Statement

This Statement highlights key public policy positions of the Institute on group insurance in superannuation, promoting stronger governance, simpler products and fairer outcomes for Australians.

Actuaries Institute

27 August 2025

Report

2 CPD Points

Life Insurance Sustainability Guide

A framework for managing life insurance products for the long-term alignment of all system participants.

Life Insurance Practice Committee

20 August 2025

Discussion Paper

3 CPD Points

Superannuation Tax Reform: Sensible Changes for a Fairer System

In Superannuation Tax Reform: Sensible Changes for a Fairer System, actuaries Richard Dunn, Michael Rice, Jennifer Shaw and Alun Stevens set out their vision for meaningful tax reform that aims to make super simpler to invest, easier to spend and fairer with bequests.

Richard Dunn, Michael Rice, Jennifer Shaw and Alun Stevens

9 December 2024

Dialogue Paper

2 CPD Points

Fairness in Insurance: A Challenge to Boards of Insurance Companies

Former APRA deputy chair, insurance company chairman and actuary Ian Laughlin challenges boards to strengthen their oversight of customer fairness by making regular checks on how the company’s product, pricing and claims philosophies, and other aspects critical to community views on customer fairness, are being put into practice.

Ian Laughlin

30 October 2024

Submission

1 CPD Point

Consultation - Ban on the Use of Adverse Genetic Testing Results in Life Insurance

The Institute supports the Government’s decision to ban adverse genetic test results in life insurance underwriting.

Actuaries Institute

12 March 2025

Submission

1 CPD Point

APRA Consultation - Targeted Adjustments to General Insurance Reinsurance Settings

Reinsurance is a critical element of risk management for general insurance. The Institute welcomes the opportunity to provide feedback on reinsurance settings to assist in maintaining access for Australian insurers to global reinsurance arrangements and high-quality alternative protection markets.

Actuaries Institute

14 February 2025

Report

2 CPD Points

Home Insurance Affordability Update

This Report explores the context of all natural perils and discovered that the proportion of “affordability stressed” households – those that spend more than one month’s worth of their gross annual income on home insurance – rose from 10 to 12 per cent. These households spend on average 8.8 weeks of their income on home insurance, which is more than seven times what the average household spends.

Sharanjit Paddam, Calise Liu and Saroop Philip

14 August 2023

Event insights

All presentations

Video

2 CPD Points

Possibility and effects of tropical cyclones in wind regions A and B

This session will give a brief history of recent tropical cyclones that have affected more southerly parts of Australia, focusing on the effects of TC Seroja and TC Alfred. It will also outline the difference in building codes and standards in cyclone and non-cyclone areas of Australia.

Dr. Bruce Buckley, Zac Segger, Kate Lyons, Geoffrey Boughton

7 May 2026

Presentation slides

1 CPD Point

Possibility and effects of tropical cyclones in wind regions A and B

Dr. Bruce Buckley, Zac Segger, Kate Lyons, Geoffrey Boughton

7 May 2026

Video

2 CPD Points

Deglobalisation - Modelling the impacts of the insurance industry

The insurance industry has long excelled in quantifying and managing uncertainty. Today, this expertise faces a new test with the growing unpredictability in the structure and operation of the global economy. As we shift from an interconnected, diversified global system toward more fragmented and regionalised markets, insurers confront emerging risks and opportunities including impacts on financial performance, business interruption, and the structure of operations. In this presentation, we will: * Trace the trajectory of globalisation and deglobalisation, focusing on major economic pairings and their relevance to the insurance sector * Introduce a robust modelling framework designed to quantify the impacts of deglobalisation across key insurance dimensions. * Apply this framework to a recent major economic event, illustrating actionable insights and strategic considerations for industry leaders. Participants will gain a practical understanding of how deglobalisation reshapes risk landscapes, operational structures, and strategic decision-making within insurance.

Joseph Hoang-Luu and Gaurav Agrawal

23 April 2026

Presentation slides

1 CPD Point

Deglobalisation - Modelling the impacts of the insurance industry

Joseph Hoang-Luu

23 April 2026

Video

2 CPD Points

The National Efficient Price: An introduction for private health insurers

The National Efficient Price (NEP) underpins activity-based funding for public hospitals in Australia. Set annually, it reflects the cost of delivering hospital care, adjusted for patient complexity and service characteristics, providing a transparent benchmark that links funding to activity rather than historical budgets. In recent health reform discussions, the NEP has emerged as a reference point for addressing long-standing challenges in private hospital funding and private health insurance sustainability. Policymakers, insurers and providers have debated whether NEP-like principles – standardised pricing, cost benchmarking and risk adjustment – could improve transparency, reduce unwarranted variation and support sustainability in the private sector. This presentation explains how and why the NEP works in the public setting, and opens a conversation with members on how these may translate to Australia’s private hospital system.

Dr Ash Evans and Dr Anna Cohen

12 March 2026

Presentation slides

1 CPD Point

The National Efficient Price: An introduction for private health insurers

Anna Cohen and Ash Evans

12 March 2026

Presentation slides

1 CPD Point

Checklist for Retirement Modelling

Retirement models is a significant method of providing financial guidance to Australians to help them make appropriate decisions when planning for retirement and living in retirement. It is important that these retirement models adhere to some standards and provide the necessary information to the end user to make an informed decision. In this session, we will discuss how the Good Practice Principles for Retirement Modelling and the newly developed Checklist can be used by practitioners to assist in developing retirement models to meet these objectives.

Ruvinda Nanayakkara and Richard Starkey

11 March 2026

Video

2 CPD Points

Checklist for Retirement Modelling

Ruvinda Nanayakkara and Richard Starkey

11 March 2026

Video

2 CPD Points

International Women's Day - Balancing More Than Equations

Every day, actuaries run calculations that have nothing to do with their jobs. Should I speak up or stay quiet? Ask for that promotion or wait? Be ambitious or be liked? We all make these invisible calculations. But research shows women make them far more often, and at a higher cost. This International Women's Day, join us for "Balancing More Then Equations", an honest conversation about the constant trade-offs many navigate, visibility versus likability, ambition versus being "too much", career versus caregiving, and how successful leaders learned to stop calculating their every move. Chaired by Actuaries Institute President Scott Reeves, come along to hear real perspectives from women at all career stages, gain practical strategies for leading authentically, and connect with others who get it. Light nibbles and drinks will be served. Part of Women Actuaries Connect+, this event welcomes everyone who supports women's advancement in the profession.

Iris Lun, Lauren Hammacher, Miki Piggott and Scott Reeves

3 March 2026

Trending topics

All Actuaries Digital articles

1 CPD Point

An actuary abroad: Why two Sydneysiders said yes to Asia

Dan Wang and Grover Lin share what it's really like to take an Australian actuarial career to Asia — the growth, the challenges and the rewards.

Robert Xu

19 May 2026

1 CPD Point

The Asia actuarial job market in 2026: What recruiters are seeing

Phildon Group recruiters Luke Mattingly and Harry Ruan unpack actuarial hiring trends across Asia, from emerging markets to AI skills and career-future-proofing advice.

Actuaries Institute

31 May 2026

1 CPD Point

Securitisation is born

Liam Murphy, George Nassios, Joey Chen, Phillip Everett

12 May 2026

1 CPD Point

Maathu Ranjan: Why governance capability is a career advantage

Maathu Ranjan, the Actuaries Institute's incoming 2028 President, shares how pursuing governance education mid-career has sharpened her leadership and opened unexpected professional doors.

Actuaries Institute

25 May 2026

1 CPD Point

Leadership: The presidential perspective

Six past presidents of the Actuaries Institute share what it really takes to lead a profession — from humility and purpose to influence without authority.

Martin Mulcare

2 June 2026

Senior couple embracing while standing near fence in their front yard.

1 CPD Point

Case Study: How Innovative Retirement Income Streams Compare to CPI-linked Annuities

Compare guaranteed CPI-linked lifetime annuities with flexible, investment-linked IRIS products. Learn the trade-offs between certainty and market participation to choose the right retirement income strategy.

Jim Hennington, David Orford, Richard Leckey

17 July 2025

1 CPD Point

What is third-party risk? CPS 230 explained

APRA's CPS 230 puts third-party risk front of mind for financial institutions. Here's what it means, why it matters and what the HESTA case study reveals.

Risk Insights Working Group

2 June 2026

1 CPD Point

Why does the risk equalisation system need reform?

The current risk equalisation scheme is drifting with 56% of hospital claims projected to fall under RE within a decade. Here's the case for reform.

Simon Lim

11 May 2026

Aerial view oil and gas tanker ship LPG tanker ship transportation oil and gas from refinery on the sea, oil and gas tanker ship global business logistic refinery transportation petroleum petrochemical.

1 CPD Point

The Middle East conflict: Its impacts on re/insurers and how it’s being managed

How the Middle East conflict is driving inflation, supply chain disruption and systemic risk and what re/insurers can do to manage the impact.

Saliya Jinadasa, Tan Yong Xian

23 April 2026

1 CPD Point

Actuarial skills in securitisation

In the last edition of this series, discover the roles actuaries can play in securitisation and why their technical and communication skills make them well suited to this growing industry.

Liam Murphy, George Nassios, Joey Chen, Phillip Everett

28 May 2026

1 CPD Point

Don’t forget the lyrics: Can song sentiment predict Eurovision results?

YDAWG applies sentiment analysis and machine learning to Eurovision song lyrics to test whether words alone can predict a winner.

Lachlan Clark, Ean Chan, Justin McGee Odger

13 May 2026

1 CPD Point

Introduction to securitisation

Australia's securitisation market is growing fast. The first in a three-part series explores its origins, how it works, and what it means for actuaries looking beyond traditional roles.

Liam Murphy, George Nassios, Joey Chen, Phillip Everett

27 April 2026

A man worker on coding on his phone and laptop.

1 CPD Point

Actuarial Cash Flow Model in Python

Learn how insurance cash flow models work conceptually, then build a simple term life insurance model using the open-source cashflower package.

Zuzanna Chmielewska

6 September 2023

The software developer conducting a seminar and workshop on coding to enhance system efficiency.

1 CPD Point

Generative AI comes to the actuary program: Introducing PCAI

The Actuary Program's CMP subject is becoming PCAI from Semester 2, 2026 — embedding practical GenAI skills into the core qualification pathway for every member.

Amanda Aitken, Jenifer Walton

22 March 2026

Hospital Ward: Professional Black Head Nurse Wearing Face Mask Does Checkup of Patient's Vitals, Checking Heart Rate Computer, Intravenous or Iv Fluids Drip Bag. Caring Nurse Monitors Person Recovery

1 CPD Point

Excess Mortality: Considerations in Moving Away from a Pre-pandemic Baseline

The Mortality Working Group is planning to make a significant change to the baseline (or expected number of deaths) used when measuring excess mortality for Australia. The Working Group intends to move away from the philosophical question of “How has the pandemic affected mortality?” to instead answer the question “Is 2023 mortality the ‘new normal’?” […]

Mortality Sub-Committee

23 April 2024

Four headshots side by side of Young Actuaries Program chairs Kuan Ying Chen, Zack Domrow, Sankarshan Muralitharan and Robert Xu.

1 CPD Point

Why young actuaries are putting their hands up

Four YAP chairs across Australia and Asia share what drives them to volunteer and what early-career actuaries can gain by putting their hand up.

Kuan Ying Chen, Zack Domrow, Sankarshan Muralitharan, Robert Xu

5 May 2026

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Research & analysis

Latest research and analysis from the Institute

Gold health insurance: the problem we created — and how to fix it

Career case study: Nathasia Kumala — an actuary across Asia and Australia

The reform agenda Australia needs: Lessons from the Productivity Commission

They're making an actuarial movie? A Critical Line Puzzle

Four-time student prize winner Aniket Panesar's study secrets

When conflict becomes complexity: Managing geopolitical risk

A profession built by volunteers: Celebrating Our 2026 Volunteer of the Year Award winners

Leadership: The presidential perspective

What is third-party risk? CPS 230 explained

The Asia actuarial job market in 2026: What recruiters are seeing

Actuarial skills in securitisation

Maathu Ranjan: Why governance capability is a career advantage

An actuary abroad: Why two Sydneysiders said yes to Asia

Don’t forget the lyrics: Can song sentiment predict Eurovision results?

Securitisation is born

Why does the risk equalisation system need reform?

Australian Actuaries Intergenerational Equity Index Spotlight on the Australian Tax and Transfer System

Thought leadership and public policy

Australian Actuaries Intergenerational Equity Index: Cracking the Unsolved Generational Equation

It's Time: Here's How to Turn Superannuation into a Retirement Income System

Mobilising Investment for Climate Adaptation

Introduction to Quantum Computing

Mortality in Australia and the Rest of the World in 2024

The Mental Health Financial Safety Net

Financial Advice Reform and Help, Guidance and Advice

Where Are Australia’s Data Science Leaders? The Case for Technical Career Pathways

Reinsurance Explained: A Pillar of Strength for General Insurers

Group Insurance in Superannuation Public Policy Statement

Life Insurance Sustainability Guide

Superannuation Tax Reform: Sensible Changes for a Fairer System

Fairness in Insurance: A Challenge to Boards of Insurance Companies

Consultation - Ban on the Use of Adverse Genetic Testing Results in Life Insurance

APRA Consultation - Targeted Adjustments to General Insurance Reinsurance Settings

Home Insurance Affordability Update

Event insights

Possibility and effects of tropical cyclones in wind regions A and B

Possibility and effects of tropical cyclones in wind regions A and B

Deglobalisation - Modelling the impacts of the insurance industry

Deglobalisation - Modelling the impacts of the insurance industry

The National Efficient Price: An introduction for private health insurers

The National Efficient Price: An introduction for private health insurers

Checklist for Retirement Modelling

Checklist for Retirement Modelling

International Women's Day - Balancing More Than Equations

Trending topics

An actuary abroad: Why two Sydneysiders said yes to Asia

The Asia actuarial job market in 2026: What recruiters are seeing

Securitisation is born

Maathu Ranjan: Why governance capability is a career advantage

Leadership: The presidential perspective

Case Study: How Innovative Retirement Income Streams Compare to CPI-linked Annuities

What is third-party risk? CPS 230 explained

Why does the risk equalisation system need reform?

The Middle East conflict: Its impacts on re/insurers and how it’s being managed

Actuarial skills in securitisation

Don’t forget the lyrics: Can song sentiment predict Eurovision results?

Introduction to securitisation

Actuarial Cash Flow Model in Python

Generative AI comes to the actuary program: Introducing PCAI

Excess Mortality: Considerations in Moving Away from a Pre-pandemic Baseline

Why young actuaries are putting their hands up

Be informed. Stay ahead. Subscribe.

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