Average Actuarial Specialist Salary in Sao Tome and Principe for 2026
In this article, we will look at the average Actuarial Specialist salary for 2026 in Sao Tome and Principe and how that compares to other countries and professions. We'll also look at interesting salary data points like median salary, 25th and 75th percentile salaries, salary amounts based on experience, bonus ranges and more!
The data in this article has been compiled using official government salary data, salary surveys, and other sources such as job postings which contain salary information.
All salary information is in the local currency, which is the São Tomé and Príncipe dobra. To keep things simple, we are using the STN currency code instead of the currency symbol Db.
How Much Does an Actuarial Specialist Make in Sao Tome and Principe?
An Actuarial Specialist working in Sao Tome and Principe will typically earn around 78,598,500 STN per year, and this can range from the lowest average salary of about 36,960,300 STN to the highest average salary of 123,599,800 STN.
These are average salaries for an Actuarial Specialist in Sao Tome and Principe and include benefits such as housing and transport. It's also possible for an Actuarial Specialist to earn more or less than the average salaries shown above.
Actuarial Specialist salaries will vary a lot based on your experience, location, skills, and gender. Keep reading below to research more data on each of these areas.
Distribution of Actuarial Specialist Salaries in Sao Tome and Principe
So we've looked at the average salaries an Actuarial Specialist will earn in Sao Tome and Principe. The next interesting data point is the distribution of salaries.
Salary ranges
We already know that an Actuarial Specialist can earn between 36,960,300 STN and 123,599,800 STN on average in Sao Tome and Principe. This is known as the range in statistics.
The difference between the maximum and minimum values is a good indicator of variability in salaries, and can be used by employers to figure out how much they can expect to pay, and for employees to know how much they can earn.
Median salary
The median salary for an Actuarial Specialist in Sao Tome and Principe is 83,280,400 STN. This is the middle value in the distribution of salaries.
What this means is that approximately 50% of the population earn less than 83,280,400 STN, and 50% of the population earn more than 83,280,400 STN.
If you are earning more than the median salary, that's a good indicator that you are being paid well.
If you're not earning more than the median salary, your objective should be to increase your earnings to be at least as high as the median salary (which you can do by asking for a pay rise, looking for a better paying job, etc).
Percentiles
Percentiles are similar to the median salary, but instead of looking at the middle value, they look at the values in the top and bottom half of the distribution.
For the average Actuarial Specialist salary in Sao Tome and Principe, 25% of the population are earning less than 54,118,500 STN while 75% of the population earn more than 54,118,500 STN.
75% of the population earn less than 109,921,700 STN, and 25% of the population earn more than 109,921,700 STN.
Like the median salary, the 25th and 75th percentile salaries can be used to determine which quartile you fall into so that you know whether you are being paid well enough compared to others in your profession and location.
The difference between a median and an average salary
The median and average salary are both indicators you can use to see if you are being paid fairly based on the overall population.
- If your salary is higher than the average and the median salary, you are earning well compared to others.
- If your salary is lower than the average and the median salary, it could indicate you are not being paid well enough.
- If you are somewhere in between then it's tricky to determine if you are being paid well enough and you might need to research more closely.
Actuarial Specialist Salary by Experience Level in Sao Tome and Principe
The most important factor in determining your salary after the specific profession is the number of years experience you have. It stands to reason that more years of experience will result in a higher wage.
We have researched the average Actuarial Specialist salary based on years of experience to give you an idea of how the average changes once you've worked for a certain amount of time.
- 0 - 2 Years Experience. An Actuarial Specialist in Sao Tome and Principe that has less than two years of experience can expect to earn somewhere in the region of 42,601,100 STN.
- 2 - 5 Years Experience. With two to five years of experience the average Actuarial Specialist salary would increase to 58,680,100 STN.
- 5 - 10 Years Experience. From five to ten years of experience as an Actuarial Specialist, the average salary would be 83,521,700 STN.
- 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 101,878,900 STN.
- 15 - 20 Years Experience. An Actuarial Specialist with 15 to 20 years of experience can earn an average of 107,521,300 STN.
- 20+ Years Experience. For an Actuarial Specialist with more than 20 years, the expected average salary increases to 117,119,900 STN.
Average Salary by Experience Chart
| 0-2 Years | - | 42,601,100 STN |
| 2-5 Years | +38% | 58,680,100 STN |
| 5-10 Years | +42% | 83,521,700 STN |
| 10-15 Years | +22% | 101,878,900 STN |
| 15-20 Years | +6% | 107,521,300 STN |
| 20+ Years | +9% | 117,119,900 STN |
Actuarial Specialist Salary by Education Level in Sao Tome and Principe
As well as experience in a job, your education plays a big role in how much you can earn. A lot of higher paying positions require a high level of education, but how much can a degree increase your salary?
In our research we have compared the salaries of employees in the same job and career level with different levels of education to see how much more you can earn at each education level.
The salary you can earn based on your education is very specific to both your location and the career path you choose.
In our research, we looked at the average salary for an Actuarial Specialist in Sao Tome and Principe based on the education level of the employees in order to find out whether a better education level would increase your salary.
- Certificate or Diploma. An Actuarial Specialist in Sao Tome and Principe with a certificate or diploma education can earn an average salary of 50,878,500 STN.
- Bachelor's Degree. An Actuarial Specialist in Sao Tome and Principe with a bachelor's degree education can earn an average salary of 80,520,300 STN.
- Master's Degree. An Actuarial Specialist in Sao Tome and Principe with a master's degree education can earn an average salary of 111,838,600 STN.
Average Salary by Education Chart
| Certificate or Diploma | - | 50,878,500 STN |
| Bachelor's Degree | +58% | 80,520,300 STN |
| Master's Degree | +39% | 111,838,600 STN |
How Much is a Master's Degree or MBA Program?
The approximate cost of a master's degree or post-graduate program like an MBA in Sao Tome and Principe is around 34,900,000 to 105,000,000 STN and takes two years to complete.
As you can see above, there are financial benefits from reaching master's degree level, but don't expect to see much of a salary increase until you have completed the degree.
It's common for people to pursue an MBA or other post-graduate program in order to switch to a a job that pays more. On average, you can expect to earn around 10% more when switching to a new company.
Whether you decide to pursue a master's degree depends on many factors. If you are able to afford it, the numbers suggest that the return on investment is worth it and you could recover the costs in a few years from the salary increase you would receive.
Actuarial Specialist Salary Compared by Gender
In the modern age, we know that there should never be a pay gap between men and women. Unfortunately, in many professions, there is still a significant difference between the salaries earned by men when compared to the salary of women in the same job.
In Sao Tome and Principe, a male actuarial specialist will earn an average of 84,358,700 STN, while a female actuarial specialist will earn around 74,039,800 STN.
This means that a male actuarial specialist earns approximately 14% more than a female actuarial specialist for performing the same job.
Average Salary by Gender Chart in Sao Tome and Principe
| Male | - | 84,358,700 STN |
| Female | -14% | 74,039,800 STN |
Actuarial Specialist Average Pay Raise in Sao Tome and Principe
In many countries, an annual pay raise is often given to employees to reward their service with a salary increase.
From our research, we can see that the average pay raise for an Actuarial Specialist in Sao Tome and Principe is around 8% every 28 months.
The national average pay raise across all professions and industries in Sao Tome and Principe is around 5% every 28 months.
In this case, we can see that the number of months between the average pay raise is higher than the typical 12 months.
To make the data more meaningful, we can calculate what the approximate annual pay raise would be using a simple formula:
Annual Increase = ( Increase Rate ÷ Months ) × 12
So for this example, it would be:
Annual Increase = ( 8 ÷ 28 ) × 12 = 3%
What this means is that an Actuarial Specialist in Sao Tome and Principe can expect to receive an average pay raise of around 3% every 12 months.
Annual Pay Raise by Industry in Sao Tome and Principe for 2026
In the chart below, you can see the average annual pay raise percentages for each of the major industries in Sao Tome and Principe.
You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.
| Banking | - | 1% |
| Energy | - | 2% |
| Information Technology | - | 3% |
| Healthcare | - | 4% |
| Travel | - | 5% |
| Construction | - | 6% |
| Education | - | 7% |
Actuarial Specialist Bonus and Incentive Rates in Sao Tome and Principe
Another part of your overall compensation in a job is how much bonus you receive. Some job roles will be more likely to pay a bonus than others and also more likely to have higher bonus rates.
Generally speaking, jobs that are more involved with direct revenue generation will receive higher bonuses based on the performance towards revenue goals.
An Actuarial Specialist is a low bonus based job, with 40% of employees reporting at least one bonus in the last 12 months.
60% reported that they had not received any bonuses in the previous 12 months.
For the employees that did receive a bonus in the previous 12 months, the reported bonuses ranged from 2% to 7%.
| Received Bonus | - | 40% |
| No Bonus | - | 60% |
What are the Types of Bonus?
There are a number of difference types of bonus you can receive in a job. Including:
- Individual performance bonus - This is a bonus that is awarded to an individual employee for general performance in the job. It's the most common type of bonus.
- Company performance bonus - This is a bonus that is awarded to a company employees to share profit with the staff.
- Goal based bonus - This is a bonus that is awarded to an individual employee (or a team) for achieving specific goals, objectives, or milestones.
- Holiday bonus - This type of bonus is usually paid around the holidays, often the end of the year, and is a token of appreciation for the hard work throughout the year.
Government vs Private Sector Salaries
Another commonly asked question is whether you get paid a higher salary working in the public (government) sector or the private sector.
Public sector employees in Sao Tome and Principe earn approximately 11% more than private sector employees in the same role.
| Public Sector | - | 87,240,100 STN |
| Private Sector | -11% | 78,838,900 STN |
Salaries for Jobs Similar to an Actuarial Specialist
In the table below, we have salary information for jobs that are similar to an Actuarial Specialist in Sao Tome and Principe.
| Job Title | Category | Salary |
|---|---|---|
| Actuarial Analyst | Insurance | 112,319,100 STN |
| Actuarial Assistant | Insurance | 78,241,300 STN |
| Actuary | Insurance | 108,000,700 STN |
| Adjustment Insurance Clerk | Insurance | 28,560,900 STN |
| Assistant Broker | Insurance | 50,998,800 STN |
| Assistant Claims Manager | Insurance | 86,160,100 STN |
| Associate Insurance Representative | Insurance | 42,479,000 STN |
| Auditing Insurance Manager | Insurance | 124,799,100 STN |
| Broker | Insurance | 76,921,100 STN |
| Claim Advocacy Professional | Insurance | 84,238,600 STN |
| Claims Adjuster | Insurance | 30,961,800 STN |
| Claims Analyst | Insurance | 42,839,200 STN |
| Claims Examiner | Insurance | 42,479,000 STN |
| Claims Manager | Insurance | 113,999,200 STN |
| Claims Processor | Insurance | 29,761,800 STN |
| Claims Representative | Insurance | 34,198,600 STN |
| Claims Resolution Specialist | Insurance | 89,639,700 STN |
| Claims Supervisor | Insurance | 78,358,100 STN |
| Complaints Specialist | Insurance | 72,481,900 STN |
| Compliance Examiner | Insurance | 74,518,900 STN |
| Compliance Officer | Insurance | 66,359,800 STN |
| Compliance Reviewer | Insurance | 72,718,100 STN |
| Consultant | Insurance | 78,358,100 STN |
| Eligibility Interviewer | Insurance | 86,881,900 STN |
| Eligibility Specialist | Insurance | 78,598,500 STN |
| Insurance Account Manager | Insurance | 101,038,700 STN |
| Insurance Accounts Executive | Insurance | 89,639,700 STN |
| Insurance Adjuster | Insurance | 71,999,700 STN |
| Insurance Agent | Insurance | 47,999,400 STN |
| Insurance Analyst | Insurance | 75,838,700 STN |
| Insurance Appraiser | Insurance | 77,758,500 STN |
| Insurance Claims Clerk | Insurance | 28,560,900 STN |
| Insurance Examiner | Insurance | 76,921,100 STN |
| Insurance Investigator | Insurance | 78,241,300 STN |
| Insurance Manager | Insurance | 136,800,100 STN |
| Insurance Operations Manager | Insurance | 136,800,100 STN |
| Insurance Policy Processing Clerk | Insurance | 30,600,900 STN |
| Insurance Pricing Assistant | Insurance | 64,920,700 STN |
| Insurance Program Manager | Insurance | 107,761,600 STN |
| Insurance Project Manager | Insurance | 99,958,900 STN |
| Insurance Quality Assurance Agent | Insurance | 69,599,200 STN |
| Insurance Sales Agent | Insurance | 48,480,700 STN |
| Insurance Sales Director | Insurance | 135,600,300 STN |
| Insurance Sales Manager | Insurance | 100,798,800 STN |
| Insurance Sales Representative | Insurance | 42,000,700 STN |
| Insurance Team Leader | Insurance | 82,439,700 STN |
| Insurance Underwriter | Insurance | 62,400,200 STN |
| Loss Control Specialist | Insurance | 75,721,000 STN |
| Loss Prevention Investigator | Insurance | 80,640,500 STN |
| Loss Prevention Manager | Insurance | 111,720,700 STN |
| Loss Prevention Specialist | Insurance | 89,398,800 STN |
| Marine Underwriter | Insurance | 58,798,900 STN |
| Medical Auditor | Insurance | 80,759,700 STN |
| Monitoring and Performance Officer | Insurance | 56,998,400 STN |
| Payment Services Specialist | Insurance | 77,758,500 STN |
| Policy Change Director | Insurance | 119,761,300 STN |
| Policy Change Supervisor | Insurance | 90,479,600 STN |
| Policy Change Technician | Insurance | 40,199,100 STN |
| Risk Analyst | Insurance | 90,958,900 STN |
| Risk Management Director | Insurance | 156,000,100 STN |
| Risk Management Supervisor | Insurance | 99,838,700 STN |
| Risk Manager | Insurance | 147,600,500 STN |
| Risk Modeling Manager | Insurance | 145,200,100 STN |
| Title Insurance Typist | Insurance | 67,681,200 STN |
| Training Manager | Insurance | 89,041,300 STN |
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