Ndalama za inshuwalansi pa chinthu chomwe chikufunsidwa zimatsimikiziridwa kupyolera mu ndondomeko monga zowerengera zamakono. Pogwiritsa ntchito izo, mtengo wa makampani a inshuwalansi ndiwowerengedwa, komanso kuchuluka kwa zopereka zomwe bwanayo adzapereke. Ndipo kotero kuti musapeze mwadzidzidzi chilichonse chosasangalatsa, zingakhale bwino kumvetsetsa momwe ziwerengero za actuarial mu inshuwalansi zikuchitika.
Poyambira, timatsindika kuti ubale pakati pa inshuwalansi ndi inshuwalansi umamangidwa pamaziko a zowerengetsera ndi masamu zomwe zakhazikitsidwa kale. Kuwerengetsa inshuwalansi kumachitika pogwiritsira ntchito machitidwe apadera a masamu omwe amasonyeza momwe polojekiti ya inshuwalansi ikugwiritsira ntchito komanso kusungidwa kwa nthawi yaitali. Kwenikweni, izi zimagwira inshuwalansi ya moyo. Komabe, mukutalika, kuwerengera komweku kungagwiritsidwe ntchito ku mtundu uliwonse wa inshuwaransi kuti udziwe za msonkho pazifukwa zina. Ndi chithandizo chawo, gawo la aliyense wa inshuwalansi pakupangidwe kothandizira kafukufuku amawerengedwanso, mwachitsanzo, Pali kusiyana kwa mitengo yamtengo wapatali mu bizinesi ya inshuwalansi.
Ponena za mawu akuti "chiwerengero chowerengera", chinachokera ku dzina la ntchitoyo. Malo okongola (kuchokera ku Latin "actuarmus" - "compactant") ndi katswiri yemwe amapanga njira za masamu ndi zowerengetsera kuti awerengere ndalama zomwe amafunikira, ngongole ndi ngongole. Anthu awa amakonza mavuto, omwe nthawi zambiri timawatcha "zokwanira" mu inshuwalansi.
Ziwerengero zenizeni ndi mfundo zawo poyamba zinalingaliridwa mu ntchito za asayansi a m'zaka za zana la 17: E. Halley, Jana de Witt, D. Graunt. Mu bukhu lake, Graunt anaphunzira ziphaso zakufa, ndipo Witt adalongosola za kuchuluka kwa ndalama za inshuwalansi , malingana ndi kuchuluka kwa ndalama komanso zaka za inshuwalansi. Kupitanso patsogolo kwa mawerengero omwe alipo panopa kunapezeka mu ntchito ya Halley, yemwe ali ndi tebulo la imfa yomwe ikugwiritsidwa ntchito masiku ano.
Zizindikiro zotsatirazi zimagwiritsidwa ntchito powerengera kuchuluka kwa zopereka: kuchuluka kwa zochitika za inshuwalansi, chiwerengero chowopsa, chiwerengero chowonongera ndi nthawi yake. Mwachizoloŵezi, ziwerengero za inshuwalansi zimagwiritsidwa ntchito nthawi zambiri, komanso kupanga zizindikiro zomwe zimapereka malipiro mu bizinesi ya inshuwalansi yonse.
Pomalizira pake, tiyenera kukumbukira kuti tanthauzo la msonkho mu inshuwalansi ndi chimodzi mwa zinthu zovuta komanso zovuta zomwe zimafuna chidwi chenicheni kuchokera kwa inshuwalansi. Choncho, akatswiri a ntchitoyi ayenera kuyesetsa kugwiritsa ntchito zatsopano zamakono zamakinale, ziwerengero ndi masamu. Mu inshuwalansi yaumwini ndi katundu, njira zosiyanasiyana zimagwiritsidwa ntchito, chifukwa panthawi yoyamba idzakhala yosasamala, mwachitsanzo, kuyang'ana chiwerengero cha anthu, ndipo chachiwiri sikofunika kwambiri. Choncho, mu inshuwalansi yaumwini pakuwerengera chiŵerengero cha ukonde mumagwiritsa ntchito matebulo apadera a nthawi yokhala ndi moyo ndi imfa, ndipo mu malo - magome a mlingo wobwerera mu mafakitale awa.