Rua Abranches Ferrão, nº10 7ºF 1600-001 Lisboa



Appointed Actuary

Current legislation recommends that the actuarial activity should be validated by other actuaries who did not participate in the preparation of assessments. Thus the role of the appointed actuary as independent and external is quite significant.
Through our own methodologies and tools we validate the work of the actuarial function with all the rigor and independence.
The actuaries who are part of the technical staff of Actuariado have the necessary training to carry out the function of “appointed actuary”, of life or non-life insurers and of pension funds. This activity is officially exercised in the life and non-life business and in several pension funds.

Actuarial Consulting

  • Actuarial assessment of technical provisions insurance portfolios in non-life and life
  • Independent actuarial assessments of technical provisions for insurers and audit companies
  • Calculations and/or validation of best estimate liability (BEL) in accordance with the solvency II directive
  • Calculations and/or validation of the solvency capital requirement (SCR) in accordance with the solvency II directive
  • Pricing
  • Optimization of reinsurance plans

Pension Funds

  • Outline of pension plans
  • Assessment of liability with pension plans and funds
  • Liability management
  • Assessment of asset liability management
  • Presentation of results in accounting records in accordance with national and international directives.

Process of Insurance Company formation

Traditionally Actuariado has collaborated in the preparation of dossiers regarding the request for authorization to incorporate life and non-life insurance companies.

Insurance Company Rating

Economic rating of insurance companies has been carried out for the purposes deemed necessary by its shareholders or by those interested in purchasing it. The assessment of liabilities in this activity is thus of great importance due to the weight they represent in the balance sheets. Thus the technical provisions must be assessed rigorously in accordance with actuarial techniques.

Audit to Insurance Companies

By assisting the auditors an analysis on the adequacy of the technical provisions of the audited insurance companies has been carried out.

Development of actuarial software

Development of actuarial software for the management of life and non-life insurance and pension funds.

Social Security Sustainability Studies

Several sustainability studies of the various social security schemes and their impact on public accounts, particularly in Portugal, Mozambique and Cape Verde, were carried out.


There has been training both in the insurance area or in the pension funds area.

Partnerships in the field of expertise

In order to ensure the highest standards in the quality of technical work, Actuariado has partnerships with universities for works meriting research in the fields of economics, statistics, demographic Studies, social security and information technology.