{"id":5533,"date":"2025-08-05T09:31:19","date_gmt":"2025-08-05T09:31:19","guid":{"rendered":"https:\/\/detralytics.com\/?p=5533"},"modified":"2026-08-21T13:31:09","modified_gmt":"2026-08-21T13:31:09","slug":"cyber-insurance-models-for-pricing-and-reserving","status":"publish","type":"post","link":"https:\/\/detralytics.com\/fr\/training\/cyber-insurance-models-for-pricing-and-reserving\/","title":{"rendered":"Assurance cyber : \nMod\u00e8les pour la tarification et le provisionnement"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5533\" class=\"elementor elementor-5533\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b794119 e-con-full e-flex e-con e-parent\" data-id=\"b794119\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1000 100\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dd8291 elementor-widget elementor-widget-heading\" data-id=\"3dd8291\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Assurance cyber : \nMod\u00e8les pour la tarification et le provisionnement<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6637add elementor-widget elementor-widget-heading\" data-id=\"6637add\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">O. Lopez, PhD<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4fae3a2 e-con-full e-flex e-con e-parent\" data-id=\"4fae3a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ab7afb1 e-con-full e-flex e-con e-child\" data-id=\"ab7afb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-254f0bc elementor-widget elementor-widget-heading\" data-id=\"254f0bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Description<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2e84fd elementor-widget elementor-widget-text-editor\" data-id=\"d2e84fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"page\" title=\"Page 3\"><div class=\"layoutArea\"><div class=\"column\"><p>Dans un monde de plus en plus d\u00e9pendant aux outils num\u00e9riques, le cyber-risque est une menace \u00e9mergente pour l\u2019\u00e9conomie mondiale. L\u2019ing\u00e9nierie de la cybers\u00e9curit\u00e9 ne pouvant jamais assurer une protection parfaite contre ce risque, les produits de cyber-assurance visent \u00e0 fournir des r\u00e9parations \u00e9conomiques aux assur\u00e9s et \u00e0 jouer un r\u00f4le de pr\u00e9vention et d\u2019assistance aux entreprises, y compris les plus petites dont les capacit\u00e9s IT pourraient \u00eatre insuffisantes face \u00e0 de tels enjeux.<\/p><p>Quantifier l\u2019impact li\u00e9 au risque cyber est un d\u00e9fi \u00e0 relever, \u00e0 bien des \u00e9gards :<\/p><ul><li><b>Tarification<\/b> <b>:<\/b> compte tenu de la difficult\u00e9 d\u2019estimer la fr\u00e9quence ainsi que la s\u00e9v\u00e9rit\u00e9 des sinistres, ou encore d\u2019identifier pr\u00e9cis\u00e9ment les facteurs de risque, \u00e9valuer le prix exact li\u00e9 \u00e0 un contrat est d\u00e9licat, sp\u00e9cifiquement pour un nouveau march\u00e9 tel que le cyber.<\/li><li><b>Provisionnement et gestion des risques :<\/b> actuellement les prix des contrats cyber sont principalement bas\u00e9s sur le march\u00e9 et non une \u00e9valuation pr\u00e9cise du risque. La question est alors d\u2019\u00e9valuer si une compagnie proposant de tels contrats sera en mesure de faire face \u00e0 ses engagements.\u00a0<\/li><li><b>Exclusions<\/b> <b>: <\/b>certains \u00e9v\u00e9nements cyber ont conduit \u00e0 des cons\u00e9quences d\u00e9sastreuses, les contrats prenant en charge ce risque doivent donc contenir des exclusions et des limites de garantie. En revanche, si ces limites sont trop faibles, le contrat n\u2019attire pas d\u2019assur\u00e9s. Les m\u00e9thodes quantitatives apportent un argument suppl\u00e9mentaire dans la d\u00e9termination des exclusions et limites n\u00e9cessaires.<\/li><li><b>\u00c9v\u00e9nements syst\u00e9miques :<\/b> le risque li\u00e9 \u00e0 une cyber-pand\u00e9mie doit \u00eatre pris en compte puisque cela outrepasse le principe de mutualisation. Bien que ce genre d\u2019\u00e9v\u00e9nement puisse, dans certains cas, \u00eatre exclu des contrats, il est n\u00e9cessaire de comprendre comment un assureur est en mesure de faire face \u00e0 une telle crise.<\/li><\/ul><div>\u00a0<\/div><p>Cette formation d\u00e9crit les outils quantitatifs pouvant \u00eatre utilis\u00e9s comme aide \u00e0 la d\u00e9cision et \u00e0 la cr\u00e9ation de ce genre de garanties. Une attention particuli\u00e8re est port\u00e9e \u00e0 la th\u00e9orie et la gestion des donn\u00e9es (parfois pauvres).<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7daa359 e-con-full e-flex e-con e-child\" data-id=\"7daa359\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-07e40ea e-con-full e-flex e-con e-child\" data-id=\"07e40ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-355647c elementor-widget elementor-widget-heading\" data-id=\"355647c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Orateur<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a56262 elementor-widget elementor-widget-image\" data-id=\"2a56262\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1042\" height=\"1042\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/Olivier_Rond.jpg\" class=\"attachment-full size-full wp-image-3728\" alt=\"Olivier Lopez\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/Olivier_Rond.jpg 1042w, https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/Olivier_Rond-768x768.jpg 768w\" sizes=\"(max-width: 1042px) 100vw, 1042px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab825d4 elementor-widget elementor-widget-heading\" data-id=\"ab825d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Olivier Lopez\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d353b87 elementor-widget elementor-widget-text-editor\" data-id=\"d353b87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Conseiller Scientifique, Detralytics<\/em><br \/><em>Professeur en Actuariat, ENSAE<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f29719 e-con-full e-flex e-con e-child\" data-id=\"0f29719\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5de7e2a elementor-widget elementor-widget-text-editor\" data-id=\"5de7e2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Date : <\/b>\u00c0 la demande<\/p>\n<p><b><\/b><b>Dur\u00e9e : <\/b>6h<\/p>\n<p><b style=\"letter-spacing: 0.3px; background-color: transparent;\">Accr\u00e9ditation :<\/b><span style=\"letter-spacing: 0.3px; background-color: transparent;\"> 6CPD &#8211; 36PPC<\/span><\/p>\n<p><b>Niveau :<\/b> Tout<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-678e6db e-con-full e-flex e-con e-child\" data-id=\"678e6db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-898935e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"898935e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:learning@detralytics.eu\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Introduire une demande<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06480d3 e-con-full e-flex e-con e-parent\" data-id=\"06480d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53b4991 elementor-widget elementor-widget-spacer\" data-id=\"53b4991\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a25ef1e elementor-widget elementor-widget-heading\" data-id=\"a25ef1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Programme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8298c4 elementor-widget elementor-widget-text-editor\" data-id=\"e8298c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li style=\"margin-bottom: 20px;\">Introduction au cyber-risque et \u00e0 l\u2019assurance de ce risque<ul><li>Qu\u2019est-ce que le cyber-risque ?<\/li><li>L\u2019\u00e9volution du cyber-risque<\/li><li>Les attendus dans les garanties<\/li><\/ul><\/li><li style=\"margin-bottom: 20px;\">Quantifier le co\u00fbt des \u00e9v\u00e9nements cyber<ul><li>Donn\u00e9es publiques VS. Portefeuille de l\u2019assureur<\/li><li>D\u00e9termination des facteurs de risque<\/li><li>\u00c9v\u00e9nements cyber extr\u00eames : bref rappel de la th\u00e9orie ainsi que de la r\u00e9gression des valeurs extr\u00eames<\/li><li>Exemple : m\u00e9thodes d\u2019arbres pour classer les \u00e9v\u00e9nements<\/li><li>Du mod\u00e8le aux exclusions contractuelles<\/li><li>Mix des donn\u00e9es publiques et de portefeuille<\/li><\/ul><\/li><li>Fr\u00e9quence des sinistres cyber et des cyber-pand\u00e9mies<ul><li>Fr\u00e9quence des sinistres cyber<\/li><li>Perte du principe de mutualisation<\/li><li>Mod\u00e8les d\u2019\u00e9valuation de l\u2019impact d\u2019une cyber-pand\u00e9mie<\/li><\/ul><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89b6347 e-con-full e-flex e-con e-parent\" data-id=\"89b6347\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed5c181 elementor-widget elementor-widget-spacer\" data-id=\"ed5c181\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-383049d elementor-widget elementor-widget-heading\" data-id=\"383049d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comp\u00e9tences acquises<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc0d89b elementor-widget elementor-widget-text-editor\" data-id=\"bc0d89b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00c0 l\u2019issue de cette formation, les participants auront acquis une compr\u00e9hension et une connaissance g\u00e9n\u00e9rales sur les probl\u00e9matiques li\u00e9es au cyber-risque et \u00e0 son \u00e9valuation. Ils seront capables de d\u00e9battre de la qualit\u00e9 des donn\u00e9es cyber et de d\u00e9velopper des mod\u00e8les d\u2019\u00e9valuation des risques associ\u00e9s \u00e0 un contrat cyber ainsi que des outils d\u00e9cisionnels pour d\u00e9terminer le p\u00e9rim\u00e8tre des garanties. Ils sauront \u00e9galement comment mettre en \u0153uvre ces mod\u00e8les \u00e0 l\u2019aide de R.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d47b7c e-con-full e-flex e-con e-parent\" data-id=\"6d47b7c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e7bdd6 elementor-widget elementor-widget-spacer\" data-id=\"4e7bdd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc3d72a elementor-widget elementor-widget-heading\" data-id=\"cc3d72a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c0 propos de notre orateur<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-224cb75 elementor-widget elementor-widget-heading\" data-id=\"224cb75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Olivier Lopez<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58dff6d elementor-widget elementor-widget-text-editor\" data-id=\"58dff6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"has-text-color has-link-color wp-elements-c0963e97f8ba7767ca498c65abc1af22\">Olivier est professeur \u00e0 l\u2019ENSAE \u00e0 Paris (FR) et co-directeur du Master 2 en Statistiques, Finance et Sciences Actuarielles. Actuaire qualifi\u00e9, il dispose d\u2019un parcours acad\u00e9mique solide d\u00e9velopp\u00e9 au sein d\u2019universit\u00e9s de premier plan.<\/p>\n<p class=\"has-text-color has-link-color wp-elements-dbcb8bb8ab4eb41602573614c21996b0\">Chez Detralytics, Olivier accompagne les jeunes talents, dispense des formations de pointe, stimule l\u2019innovation et supervise des projets de R&amp;D.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99f0267 e-flex e-con-boxed e-con e-parent\" data-id=\"99f0267\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abd28ed elementor-align-center elementor-widget elementor-widget-button\" data-id=\"abd28ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/detralytics.com\/fr\/trainings\/#opentrainings\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Nos formations<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Cette formation d\u00e9crit les outils quantitatifs pouvant \u00eatre utilis\u00e9s comme aide \u00e0 la d\u00e9cision et \u00e0 la cr\u00e9ation de ce genre de garanties. Une attention particuli\u00e8re est port\u00e9e \u00e0 la th\u00e9orie et la gestion des donn\u00e9es.<\/p>","protected":false},"author":1,"featured_media":5610,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[143],"tags":[148],"class_list":["post-5533","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-training","tag-actuarial-science"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Happy Learning Hours : Assurance \u00e9quitable<\/title>\n<meta name=\"description\" content=\"Cette formation gratuite explore les principes de l&#039;\u00e9quit\u00e9 actuarielle et les d\u00e9fis pos\u00e9s par la corr\u00e9lation entre les facteurs de segmentation et certaines caract\u00e9ristiques prot\u00e9g\u00e9es par les lois anti-discrimination.\" \/>\n<meta name=\"robots\" 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