Insurance industry had ignored the intellectual property right in past. Researchers seldom focused on the issue of intellectual property right or the reactions of firms in response to the IP environment. This paper, under actuary's perspective, discusses problems and challenges of insurance company, the future of actuaries and their cooperation relationship with insurance companies in IP environment. Because actuary is the designer of insurance products, the discussion of this paper mainly focuses on the insurance product. Summaries disclose the 5 issues of insurance companies, and develop a relation table of actuary and insurance company.