Okay, briefly, my question/s for actuarial professionals (Is that correct term?!) - if you are working out risks etc. associated with health, does an actuary who works in this area have access to medical advisors and/or lists of obscure diseases that few people have heard of? Are some people just uninsurable due to certain health problems? What if there are just not enough people with a particular condition/in a particular category? Is it ever just guess work or a case of lumping people/diseases together? my understanding being that you need a biggish sample in order to do the stats properly.
Reason I am asking is that I have a rare variant of an uncommon condition - when looking for travel insurance I had one of those silly conversations with a person ain a call centre who (after talking to her manager) put me down as having a related condition but one I don't actually have - and so it looks on paper as if I have a higher risk of an acute episode than I really have. And this pissed me off, but I haven't the will to argue the toss and will probably pay more in premiums than necessary. And that's why I was wondering how the sums are done.
And do actuaries like accountants always carry a calculator? My friend who is a CA reckons she and other accountants always have a calculator on them.
Though I suppose the modern way would be to have a mobile with a calculator.