Actuarial is the adjective for the number-work that sits behind insurance and pensions. An insurance company must guess how likely it is that people will crash a car, get sick, live a long time, or die, and then it sets the price of the policy. The people who do that guessing with maths, and the tables, reports, and courses that belong to that work, are actuarial.

Actuarial is the adjective forActuarial 是形容詞，指的是 the number-work that sits behind insurance and pensions保險和退休金背後的那些數字工作。An insurance company must guess保險公司必須去猜，how likely it is that people will crash a car, get sick, live a long time, or die人們發生車禍、生病、活得很長，或是死掉的機率有多高，and then it sets the price of the policy然後根據這個訂出保單的價錢。The people who do that guessing with maths用數學做這種預測的人，and the tables, reports, and courses that belong to that work還有屬於這份工作的表格、報告、課程，are actuarial都可以叫做 actuarial（精算的）。

We say actuarial science, actuarial tables, an actuarial report, actuarial risk. We do not call the person “an actuarial”; the person is an actuary. Though actually, in offices you will hear “She’s in actuarial,” meaning she works in that department — speakers use the adjective as a shorthand for the whole job.

We say我們會說 actuarial science, actuarial tables, an actuarial report, actuarial riskactuarial science（精算學）、actuarial tables（精算表）、an actuarial report（精算報告）、actuarial risk（精算風險）這些說法。We do not call the person "an actuarial"我們不會把這個人叫做 "an actuarial"；the person is an actuary這個人是 an actuary（精算師）。Though actually不過，in offices you will hear "She's in actuarial,"在辦公室裡你會聽到「She's in actuarial」這種說法，meaning she works in that department意思是她在那個部門工作——speakers use the adjective as a shorthand for the whole job大家把這個形容詞當成整份工作的簡稱來用。

The word is formal and technical. You meet it in business, exams, and the news, not in ordinary chat about a weekend. It is about long-term risk and prices, not about keeping this year’s accounts.

The word is formal and technical這個字是正式又專業的用詞。You meet it in business, exams, and the news你會在商業、考試、新聞裡遇到它，not in ordinary chat about a weekend不會出現在聊週末的日常對話裡。It is about long-term risk and prices它談的是長期的風險和價格，not about keeping this year's accounts不是在管今年的帳目。