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Applying Actuarial Insight to Canada’s Real-Estate Sector

Canada’s housing crisis underscores the need for better financial thinking. By applying actuarial approaches to valuation, reserving, risk management and housing finance, Philippe Foisy, FCIA, makes a compelling case for greater actuarial involvement in promoting resilience and affordability in the real‑estate sector.

Managing CSM Under IFRS 17: Balancing Returns, Volatility and Capital

Should the contractual service margin be backed by growth assets that boost long‑term returns or by fixed‑income assets that deliver stability and predictability? Drawing on IFRS 17 experience in the Canadian market, FCIAs Charles L. Gilbert and Hélène Baril examine the accounting, capital and risk trade‑offs behind one of the most consequential asset-liability management decisions insurers now face.

An inside view on Credit Rating Agencies

What goes into an insurer’s credit rating, and where do actuaries fit in? Patrick Douville, FCIA, offers a behind‑the‑scenes look at credit rating agencies, unpacking how ratings are built, what’s changing in the industry and how actuarial skills translate into credit analysis.