Actuarial Evaluation and Investment Strategy Selection in the Application of Insurance Funds

With the continuous development of the insurance industry, insurance companies are becoming increasingly important in terms of risk protection and asset management. In this process, how to achieve efficient use of insurance funds, ensuring both risk coverage and asset appreciation, has become the main issue for company operations. Actuarial evaluation, as a fundamental tool for insurance fund management, can help enterprises accurately calculate insurance liability reserves and future cash flows, providing scientific basis for fund allocation. Meanwhile, the choice of investment strategy determines the liquidity, profitability, and risk level of insurance funds, which affects the long-term financial stability of the enterprise. In the current market environment, the decline in interest rates, increased asset volatility, and tightening regulatory policies have significantly increased the complexity of the use of insurance funds. Therefore, the organic combination of actuarial evaluation and investment strategy can help improve the efficiency of fund management and assist insurance companies in developing steadily in a complex and ever-changing financial environment. Based on this, the article conducted relevant research on actuarial evaluation and investment strategy selection in the use of insurance funds.