From the insurance company's point of view, the assumption of actuarial department may conflict with the underwriting policy of underwriting department, especially when the company's policy direction is to expand the scale, the underwriting department may relax the signing standard in order to hedge the business scale, which violates the prudent assumption of actuarial department. However, the two departments are also communicating and cooperating, and there is no restricted relationship.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.