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arXiv · 2410.20841

Quantum Computational Insurance and Actuarial Science

Huan-Yu Liu·Xi-Ning Zhuang·Chao Wang·Qing-Song Li·Meng-Han Dou·Zhao-Yun Chen·Cheng Xue·Yu-Chun Wu·Guo-Ping Guo·Guang-Can Guo
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Abstract

In recent years, quantum computation has been rapidly advancing, driving a technological revolution with significant potential across various sectors, particularly in finance. Despite this, the insurance industry, an essential tool for mitigating unforeseen risks and losses, has received limited attention. This paper provides an initial exploration into the realm of quantum computational insurance and actuarial science. After introducing key insurance models and challenges, we discuss quantum algorithms that can address insurance problems based on their mathematical nature. Our study includes experimental and numerical demonstrations of quantum applications in non-life insurance, life insurance, and reinsurance. Additionally, we explore the timeline for quantum insurance, the development of quantum-enhanced insurance products, and the challenges posed by quantum computational advancements. This work systematically constructs the connection between quantum computation and the insurance industry, enhancing the development of insurance while promoting the application of quantum computation to more realistic problems.

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Huan-Yu Liu, Xi-Ning Zhuang, Chao Wang, Qing-Song Li, Meng-Han Dou, Zhao-Yun Chen, Cheng Xue, Yu-Chun Wu, Guo-Ping Guo, Guang-Can Guo. 2024-10-28. Quantum Computational Insurance and Actuarial Science. https://doi.org/10.1007/s11432-024-4411-8

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