Negotiating salary and remote work flexibility as an entry-level actuary in 2025 can feel daunting, but with the right approach, you can set a solid foundation for your career and work-life balance. Entry-level actuaries typically start with salaries between $65,000 and $85,000, depending on your exam progress, location, and industry. Remote work options have become more common and expected, especially in the actuarial field where much of the work is computer-based and data-driven. Knowing how to navigate these conversations early on will empower you to secure a package that values your skills and respects your lifestyle preferences.
First, understand the current market for entry-level actuaries. In 2025, the average starting salary for someone with less than a year of experience hovers around $69,000 to $80,000, with slight variation based on the number of actuarial exams passed and the sector you’re entering. Consulting and property & casualty insurance often pay at the higher end, while government roles tend to offer less but might provide other benefits like job stability. Passing your first one or two exams before your negotiation gives you more leverage, as employers often tie raises and bonuses to exam progress. Being proactive about your exam schedule signals commitment and ambition, which employers value highly[2][7].
When it comes to remote work, the landscape has shifted dramatically over the past few years. The traditional geographic pay gaps are shrinking because remote and hybrid work options mean companies are competing nationally rather than just locally. Employers who insist on in-office presence or lowball offers due to “lower cost-of-living” areas are often outbid by companies willing to pay national rates for remote talent. For an entry-level actuary, this means you can benchmark your salary expectations against national data and negotiate accordingly, especially if you’re open to working remotely[1].
To start your negotiation, research is your best friend. Use websites like PayScale, DW Simpson, or actuarial salary surveys to find salary ranges for your position, industry, and location. Then, frame your ask around these numbers, anchoring high but reasonably. For example, you might say, “Based on my research, I understand entry-level actuaries with similar exam progress and in this industry typically earn between $75,000 and $85,000. I believe my skills and commitment align with that range.” This approach shows you are informed and reasonable, which increases your credibility and the likelihood of a better offer[6].
Salary negotiation is not just about the base pay. Many companies offer bonuses, exam fee reimbursements, paid study hours, and flexible working arrangements. Highlight these benefits during your discussion. For remote work flexibility, be prepared to explain how you can maintain or even improve productivity while working remotely. Mention your self-discipline, familiarity with remote collaboration tools, and any past remote experience if applicable. You could say something like, “I’ve successfully managed projects remotely during my internship and found that I can maintain strong communication and deliverables without being in the office every day.” This reassures employers that offering remote flexibility won’t hurt their operations[1][7].
Balancing firmness and collaboration is key in these talks. Research shows that combining a competitive stance with a collaborative attitude yields the best results: be clear and assertive about your goals but flexible about how to reach them. For instance, if a company hesitates to offer full-time remote work, you might propose a hybrid schedule or a trial period. This shows you are solution-oriented and willing to meet halfway, making it easier for employers to say yes[6].
Practical examples can help. Imagine you receive an offer of $70,000 with no remote option. You might respond: “Thank you for the offer. Based on my research and the value I bring, I was expecting something closer to $80,000. Additionally, remote work is important to me for maintaining productivity and work-life balance. Would you be open to discussing a hybrid schedule or remote work options?” If they push back, ask about their concerns and offer solutions, such as regular check-ins or core hours where you’ll be online. This shows you’re thinking about their needs, not just your own[6].
Remember to keep the tone positive and professional. Express enthusiasm for the role and company, which reminds employers you’re invested in making the partnership work. Also, try not to reveal your bottom line or current salary unless asked, as this can limit your negotiating power. Instead, focus on the value you bring and market standards.
Lastly, keep in mind that negotiation is a skill you’ll use throughout your career. Even if you don’t get everything you want now, setting the tone early for open communication about salary and work conditions can pay off later. Many entry-level actuaries have successfully negotiated better starting salaries and flexible work arrangements by being well-prepared, confident, and collaborative.
To summarize actionable steps:
Research salary ranges and remote work norms for entry-level actuaries in your industry and location.
Highlight your exam progress and willingness to continue advancing credentials.
Anchor your salary ask high but reasonable, referencing market data.
Emphasize your ability to work effectively remotely with examples or past experience.
Be firm on your goals but flexible on how to achieve them, offering hybrid or trial arrangements if needed.
Express enthusiasm and maintain professionalism throughout.
Consider the whole compensation package, including bonuses and benefits.
Negotiating your salary and remote work flexibility as an entry-level actuary in 2025 is about combining data, preparation, and communication skills. By approaching the conversation with confidence and empathy, you can secure a package that supports both your career growth and personal well-being.