Am I saving enough into my pension?

Working in the pensions industry, this is probably the question I get asked the most. The problem is it’s the hardest question to answer for the majority of people in DC pension schemes. Saving into a pension isn’t like saving for a holiday, a car or even a house deposit. All of those have a definite cost (a house deposit might fluctuate a bit) and once your savings are equal to that cost you can make a purchase.

Decisions, decisions…

The design of the UK pension system is such that retirement income is heavily dependent on earnings during working life. Those who earn the most and save the longest are likely to have the best retirements. The problem is that not everyone is able to work full time for all of their working lives. For many there are fundamental life choices which impact on their ability to do so - such as staying in education and having families.

What does the IDD mean for UK insurers

Over the past year I have become increasingly involved with conduct of business rules, in particular the Insurance Distribution Directive (IDD). I am sure many of you will have heard about it as it comes into effect in February 2018 and will part a significant change in Europe. But what’s important about IDD for UK insurers and intermediaries? The answer really depends on what products you write and how and where you sell them.

Building a multinational insurance policy using Blockchain

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