The Only Insurance Your Career Needs

What if your skills had an insurance policy? In a rapidly evolving AI-driven world, obsolescence isn’t fiction—it’s a financial risk. This TED-style talk introduces Skillset Insurance, a revolutionary actuarial concept that quantifies the risk of human skill becoming outdated, and creates a safety net to protect careers before it’s too late. Using formulas like Skill Decay Rate, Probability of Displacement, and Adaptive Upskilling, we calculate an individual’s Human Capital at Risk (HCaR)—a technical yet practical way to assess career vulnerability. The talk explains how this model can be used to design personalized insurance products that fund retraining, reduce turnover, and create a resilient workforce. Through storytelling, humor, and real actuarial math, we explore how this policy could become the future of employment benefits, transforming how companies value their employees—and how individuals take charge of their relevance.    Whether you’re an actuary, a decision-maker, or simply someone worried about being replaced by a machine this session will not only inform, but inspire action.