Insurance
Actuaries are the people who figure out how much the premium should be, forecast trends, evaluate the cost impact of medical programs, design and price new products, assist in designing formulary models, and forecast the impact of risk adjustment on revenues. They balance how much the insurer might have to pay out against the chances of having to pay out.  If actuaries think there is a big chance that the company will have to pay out, they will make the premium higher.