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Rising floods and droughts highlight new era of climate risk Aon is sharing insights with (re)insurers on the eve of Earth Day on how changing flood and drought patterns are reshaping risk across regions. Posted in: General Insurance Article Posted on: Monday Apr 27

Acting in haste may mean thousands worse off in retirement When buying an annuity, it is vital to search the market for the best rate. Once bought, an annuity cannot be unwound so it’s important to get the right one for you. A search of annuity quotes shows there is a £647 difference in the top and bottom quotes for a 65-year-old with £100,000 pension looking for a single life, level annuity with a five-year guarantee. Over the course of a 20-year retirement the difference adds up to almost £13,000. Include as much information on your application as possible about your health, as you may qualify for an enhanced annuity which could further increase your income. Posted in: Investment - Articles Posted on: Monday Apr 27

Geopolitics: Understanding the shifts behind the headlines Exploring how geopolitical dynamics are evolving, what they may mean for markets and how wealth portfolios can be positioned through periods of heightened uncertainty. Geopolitics has been firmly back in focus at the start of 2026, with events involving Greenland, Venezuela and Iran featured prominently in the news. These developments can feel fast moving and unpredictable. But while headlines change rapidly, the forces shaping global politics tend to evolve more slowly Posted in: Articles Posted on: Monday Apr 27

FCA spearheads global action to stop illegal finfluencers The FCA has led international action to stop illegal finfluencers putting consumers' money at risk. Seventeen regulators worldwide took part in the 'week of action' which included enforcement activity, consumer awareness campaigns, and educational programmes for finfluencers who want to act responsibly. Activity started on 20 April 2026. Posted in: General Insurance Article Posted on: Monday Apr 27

Caution reigns as peace talks hopes dashed again See-saw diplomacy over Iran keeps investors cautious at the start of the week. Fears of a severe energy shock intensify as the Strait of Hormuz stays firmly shut and oil prices shoot higher. Brent crude climbs back above $107 a barrel and the FTSE 100 is flat in early trade. Monetary policy in focus with key central bank meetings looming but interest rates set to be held, given inflationary pressures mounting. Tech in the spotlight this week with Amazon, Meta, Microsoft. Apple and Alphabet all set to report. Posted in: Investment - Articles Posted on: Monday Apr 27

Master Trusts decumulation options increase LCP’s latest analysis of the master trust and broader provider market highlights improvements in the quality of service members are receiving and shows that providers are developing a range of solutions as decumulation options increase. Posted in: Pensions - Articles Posted on: Friday Apr 24

Three in 10 business owners have no pension Rathbones warns that even a successful business sale may not deliver business owners the retirement income they hope for. Posted in: Pensions - Articles Posted on: Friday Apr 24

TPR highlights crucial role of actuaries across pensions Nausicaa Delfas, TPR CEO highlights need to move from a focus on accumulation to delivering sustainable retirement income for members. Actuarial judgement, independence, and long-term thinking identified as critical to system design across DB, DC, and CDC Posted in: Pensions - Articles Posted on: Friday Apr 24

Operational challenge as default retirement reforms approach PASA has published new Guidance exploring the significant operational challenges facing administrators as default retirement solutions are introduced. Posted in: Pensions - Articles Posted on: Friday Apr 24

Are war-related risk premiums creating a growth opportunity Geopolitical volatility following the Iran war has driven sharp repricing across war risk, marine and specialty insurance lines globally. The structural limitations of private insurance markets exposed by the Strait of Hormuz disruption are opening space for emerging market players and new public-private mechanisms. Turkey and Kenya are advancing as regional insurance and reinsurance centres, underpinned by market scale, geographic positioning and regulatory development. Rather than being passive recipients of risk, emerging markets are increasingly building the institutional capacity to price and intermediate it Posted in: General Insurance Article Posted on: Friday Apr 24

Trustee skills vital as pensions complexity grows The UK pensions system is entering a new era of complexity that requires higher professional standards from those responsible for safeguarding savers’ futures, the President of the Pensions Management Institute has warned. Posted in: Pensions - Articles Posted on: Friday Apr 24

Oil prices shoot up and retail sales show panic at the pumps Brent crude rises to above $105 a barrel as the Middle East crisis is prolonged. President Trump says he’s in no rush to end the war after issuing shoot-to-kill orders in the Strait of Hormuz. UK retail sales figures show there was panic at the pumps in March as motorists raced to fill up to avoid price hikes. Intel provides cheer for Wall Street as it benefits from a surge in AI infrastructure spending. Posted in: Investment - Articles Posted on: Friday Apr 24

Inheritance Tax registers a fifth consecutive annual record Inheritance Tax (IHT) receipts for the 2025-2026 tax year have reached £8.5 billion, exceeding last year’s total of £8.2 billion and marking a fifth consecutive annual record. IHT receipts in March totalled £755 million, an increase of £141 million compared to the £614 million recorded in February 2025. Posted in: Investment - Articles Posted on: Thursday Apr 23

Pensions dashboards are schemes ready for the next step TPR dashboards lead Lucy Stone emphasises that connection is just the start of the dashboards journey, urging schemes to keep up the momentum, focus on value data and embrace the opportunities to learn from user testing. We are edging ever closer to people being able to see all their pensions online at a time of their choosing, revolutionising how they plan for retirement. With the deadline for connection less than six months away, three quarters of all records are now connected to the central digital architecture being built by the Money and Pensions Service (MaPS). Posted in: Articles Posted on: Thursday Apr 23

Employer NI hike creates headwinds for group risk market Growth within the UK group risk market slowed in 2025 as the employers’ National Insurance (NI) increase from April 2025 saw businesses look to prioritise cost containment over benefit expansion, according to Swiss Re’s annual Group Watch report. Posted in: Life - Articles Posted on: Thursday Apr 23

DB pension schemes surplus continues to grow UK defined benefit (DB) pension schemes maintained strong funding positions through the first quarter of 2026, according to PwC’s Pension Funding Index, which tracks UK corporate DB schemes on a low-dependency basis, despite continued geopolitical uncertainty and heightened market volatility Posted in: Pensions - Articles Posted on: Thursday Apr 23

Impasse over Iran sends oil price sharply higher Brent crude hits $103 a barrel as concerns mount about impasse in Iran situation. Lack of progress in restarting talks and renewed attacks on tankers causes concern. The fresh escalation in energy prices pushes FTSE 100 down in early trade. J Sainsbury is among the top fallers in early trade as it warns the Iran war will hit demand and increase costs.UK government borrowing came in at the lowest level for March since 2022, down £1.4 billion on last year. It offers welcome relief for Rachel Reeves, but spending is still rising. Retail investing campaign launched by UK government despite volatility. Posted in: Investment - Articles Posted on: Thursday Apr 23

IPT smashes last year's total by £157 million According to this morning’s HMRC data, Insurance Premium Tax (IPT) receipts stood at £88 million in March 2026, bringing the full year total for the 2025/26 financial year to a record £9.04 billion, exceeding last year’s full year total of £8.88 billion by £157 million. Posted in: Life - Articles Posted on: Thursday Apr 23

DC providers default strategies lead to gaps in outcomes Differences between providers default strategies are leading to gaps in member retirement outcomes, according to analysis from Hymans Robertson. The DC Provider Insights report, published today, found a wide variation in projected member outcomes across providers, even where approaches look similar at headline level. Posted in: Pensions - Articles Posted on: Wednesday Apr 22

Reflections on 20 years of Pension Risk Transfer Buy-ins are now well-established and regularly dominate the headlines in the pensions press. But that has not always been the case. In this article, I reflect on how the buy-in came into being and why it has become the route of choice for many pension schemes. Take yourself back to March 2006. A small group of us at LCP was contemplating what the recent launch of a wave of new insurers seeking approval to write bulk annuities could mean for DB schemes. We saw potential benefit for trustees and sponsors, and so our Pension Risk Transfer practice was born. Posted in: Articles Posted on: Wednesday Apr 22

FCA and PRA changes to senior managers accountability Firms will benefit from reduced costs and greater flexibility, and find it easier to comply with the Senior Managers and Certification Regime (SM&CR), following reforms set out today by the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA). Posted in: General Insurance Article Posted on: Wednesday Apr 22

Global commercial insurance rates fall 5% in Q1 2026 According to the latest Global Insurance Market Index (GIMI) released by Marsh global commercial insurance rates fell, on average, by 5% in the first quarter of 2026, following a 4% decline in Q4 2025. Posted in: General Insurance Article Posted on: Wednesday Apr 22

Markets mixed on ceasefire extension and inflation rises President Trump extended the ceasefire overnight, but Asia markets are not optimistic. UK inflation increased to 3.3% as the impact of the Middle East conflict flowed through to fuel prices. Bank of England likely to hold rates next week however Posted in: Investment - Articles Posted on: Wednesday Apr 22

Comments on inflation rising to 3.3% Standard Life, XPS Group and Royal London comment on UK CPI rises to 3.3% in March, suggesting the first effects of higher energy prices are beginning to come through. The full impact of conflict in the Middle East is unlikely to be reflected yet, with further pressure on household bills expected in the months ahead Posted in: Investment - Articles Posted on: Wednesday Apr 22

Pensions governance and why it matters more than ever Pensions have long been part of a school’s remuneration package. For teachers, this has historically been via the Teachers’ Pension Scheme (‘TPS’), with teachers contractually enrolled from the first day of employment, and for non-teaching staff, this has predominantly been via a Defined Contribution (‘DC’) arrangement. However, after several years of rapid change the landscape looks very different, with significant variety and diversity of pension offerings. Posted in: Articles Posted on: Tuesday Apr 21

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