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148.8m working days lost to sickness absence Insurance experts Everywhen are warning that many households could face an immediate income shock if illness or injury strikes and the monthly pay cheque abruptly ends. Research from the Financial Conduct Authority shows that one in ten UK adults has no cash savings to fall back on, while the latest figures from the Office for National Statistics reveal that 148.8 million working days were lost to sickness or injury in 2025. Posted in: Life - Articles Posted on: Friday Oct 9

Customer fairness is not a nice to have its your duty While insurers understand their obligation to treat customers fairly, the harder question is how they demonstrate that they are doing so – particularly when it comes to pricing. Fairness isn't just about having the right policies and processes in place; insurers need the data, analytics and governance to evidence that customers are receiving good outcomes. Any financial services institution has to ensure it’s taking customers’ needs into consideration in accordance with the FCA’s Consumer Duty. Posted in: Articles Posted on: Friday Oct 9

Footsie flies higher as oil prices ease The Footsie climbs in early trade as oil prices ease, offering some respite after a volatile week, although Brent still hovers around $103 a barrel. Fresh questions over OpenAI’s revenue outlook have unsettled AI investors, reigniting concerns about valuations and the vast spending needed to build the technology. Gold rises as the dollar weakens and oil prices ease, while resilient Chinese exports help give mining stocks a spring in their step. Airtel Money begins conditional dealings in London at 196p a share, valuing the business at £5.3 billion and offering a welcome boost to the UK’s IPO market. Posted in: Pensions - Articles Posted on: Friday Oct 9

The Future of Trusteeship: In Good Hands? In this episode of the Pensions Perspectives Podcast, host Luna Fadayel is joined by David Walmsley of ?@ThePensionsRegulator?, Jenny Gibbons (Governance consulting lead at WTW) and Hazel Kendrick, co-author of WTW's In Good Hands survey, to explore how trusteeship is evolving across the UK pensions landscape. Posted in: Articles Posted on: Thursday Oct 8

3 numbers show human-in-the-loop cyber defence is outdated How do you defend against AI attack speed? As cyberattacks become increasingly AI-driven, human-in-the-loop cyber defence is leaving organisations vulnerable. This article looks at the weaknesses of human-in-the-loop cyber defence against AI-enabled attacks, as well as the implications for cyber insurance. Waiting for human approval used to be prudent. Now it might be too little, too late. Nobody wants an algorithm accidentally pulling the plug on production. But against AI-enabled attacks, waiting for human approval becomes the greater risk. Posted in: Articles Posted on: Thursday Oct 8

Trustees must decide do I consolidate or go it alone? Speaking at the Professional Pensions Trustee Senate earlier today, Nausicaa Delfas, Chief Executive of The Pensions Regulator, set out why, with a clear reform agenda ahead, now is the time for trustees to act and take the decisions that will deliver a sustainable income in retirement for millions. Posted in: Pensions - Articles Posted on: Thursday Oct 8

New rules to make long-term investment funds clearer The Financial Conduct Authority (FCA) has set out clearer expectations for asset managers about long-term investments, such as property. This will help give the market more confidence to invest in funds that support private markets. Posted in: Investment - Articles Posted on: Thursday Oct 8

Superfunds top the shortlist of DB Trustees endgame options Superfunds have moved to the top of the endgame shortlist among DB trustees surveyed, with 57% currently considering consolidation into a superfund as an endgame option for their scheme. Superfunds were ranked as the most commonly considered endgame option in the survey, ahead of capital-backed journey plans, buyout, DB master trust consolidation and run-on. Trustees surveyed expect the superfund market to gather pace, with 95% believing transactions will become more common over the next two years Posted in: Pensions - Articles Posted on: Thursday Oct 8

Global M&A market hits new high as bigger deals dominate M&A deal value increased 23.9% in the first nine months of the year, rising from US$1.33 billion to US$1.65 billion compared with the same period in 2025, according to completed deals data from WTW’s Quarterly Deal Performance Monitor (QDPM) (1) Posted in: Investment - Articles Posted on: Thursday Oct 8

A new retirement reality A generational shift in many pension systems is transferring responsibility for retirement income, inheritance planning and later-life care from institutions to individuals. The shift is creating opportunities for insurers, banks and advisers – and a race to reach people before retirement, when they are making critical decisions about how to manage their savings, generate income and protect their wealth. The race is already reshaping the life insurance market: just three private equity-backed US companies completed more than 300 acquisitions between 2017 and 2025. Financial firms are investing heavily in technology and AI, but people still want human interaction when making high-stakes decisions Posted in: Life - Articles Posted on: Thursday Oct 8

DC survey shows adequacy blind spot as VfM regime approaches Aon has announced findings from its 2026 Defined Contribution Pension and Financial Wellbeing Survey – ‘Balancing the Value Equation’ suggest that many UK employers and trustees are entering a new era of pension regulation without a clear understanding of the retirement outcomes their pension arrangements are expected to deliver. Posted in: Pensions - Articles Posted on: Thursday Oct 8

SPP backs 3.25% GMP rate but says end routine consultations The Society of Pension Professionals (SPP) has backed the Government’s proposed 3.25% fixed rate for Guaranteed Minimum Pension (GMP) revaluation from April 2027, while calling for an end to repeated consultations on what it describes as a routine, formulaic exercise. Posted in: Pensions - Articles Posted on: Thursday Oct 8

Conservatives vow £6.6bn IHT cut and may scrap it altogether Kemi Badenoch has used her keynote speech at the Conservative Party Conference to announce her intention to exclude residential homes from inheritance tax (IHT), while also raising the nil-rate band to £1 million per couple Posted in: Investment - Articles Posted on: Wednesday Oct 7

Stewardship reporting under the new LGPS regime "If the pool is a Stewardship Code signatory, do funds still need to report?" The recent pooling reforms change how investment strategy is implemented, but they don’t remove the responsibilities and fiduciary duties that sit with partner funds. In fact, how partner funds demonstrate oversight of, and engagement with, their pool becomes increasingly important. This is one of several areas that a pool’s Stewardship Code report would not cover, so partner funds should demonstrate their efforts in their own reporting. Posted in: Articles Posted on: Wednesday Oct 7

The DC Future Book 2026 Edition The Pensions Policy Institute (PPI), the UK's leading independent authority on pensions and retirement policy, has published new research today projecting employees aged 45-54 could have smaller Defined Contribution (DC) pension pots than the generations surrounding them. Posted in: Pensions - Articles Posted on: Wednesday Oct 7

Markets wobble as energy worries reignite rate fears Brent crude is back above $101 a barrel as renewed attacks in the Middle East reignite concerns over energy supplies. The Footsie is on the backfoot in early trade, but Wall Street set to hang onto record levels, with investors adjusting to the ‘new normal’. The Strait of Hormuz remains a major flashpoint, with repeated attacks and suspicious incidents involving tankers keeping shipping and insurance costs elevated. Posted in: Investment - Articles Posted on: Wednesday Oct 7

Six months to go until pensions IHT change Neil Jones, tax and wealth planning specialist at Standard Life comments: "Six months out from the pensions IHT change, preparations for affected clients will be well underway, with the focus shifting to reviewing updated plans and making any final adjustments. Posted in: Pensions - Articles Posted on: Wednesday Oct 7

Insurers detect £1.34 billion of bogus claims Cracking down on insurance fraud remains a top priority for the industry, as the latest data from the ABI reveals that insurers detected £1.34 billion worth of fraudulent claims in 2025, a 14% increase on the £1.18 billion detected the previous year. Posted in: General Insurance Article Posted on: Tuesday Oct 6

Redefining Health Insurance by innovation and analytics From ageing populations and rising chronic disease to the growth of personalised digital health solutions, Jessica Plewes and Lisa Balboa explore how analytics is tackling health insurance’s biggest challenges and what this means for the insurer of the future. Global healthcare and private health insurance markets are arguably entering a period of significant strain and transformation. Health needs are evolving, populations are ageing, chronic disease is rising faster than health systems can respond, and care is becoming more complex. Posted in: Articles Posted on: Tuesday Oct 6

Retirement Expectation Gap breaks five year barrier People still want to retire at 62, but now expect to work until almost 68, pushing the ‘Retirement Expectation Gap’ to a record 5.3 years. Renters face a retirement gap of 6.8 years, more than three times the 2.1 years faced by outright homeowners. Millennials and Gen Z want to retire earliest, at 61 and 60, but face the largest retirement gaps at 6.8 and 5.9 years respectively. 51% fear their retirement finances won’t last, while 48% feel their finances are mainly influenced by factors outside of their control. Those who have done a lot of financial planning have a Retirement Expectation Gap almost five years narrower than those who have done none Posted in: Pensions - Articles Posted on: Tuesday Oct 6

One in ten AI pension answers could be potentially harmful One in ten (11%) answers were potentially harmful: 57 of the 539 answers could lead a saver to lose money or make a mistake they cannot undo. Most were not factually wrong. Instead, they left out important information, used unclear language or missed relevant context Posted in: Pensions - Articles Posted on: Tuesday Oct 6

Only one in six expect a hard stop retirement Only 16% of UK adults expect to stop work completely and enter full retirement. 30% expect to continue working in some capacity during later life. 41% say keeping their brain active is a key reason for continuing to work. 39% are not confident they can live comfortably in later life, rising to 45% among women Posted in: Pensions - Articles Posted on: Tuesday Oct 6

Balancing spending habits with long-term financial planning Over a third (35%) said they pay for subscription services they use infrequently, no longer use, or are unsure which services they pay for. Of these, more than a quarter (27%) admitted they have continued paying simply because they forgot to cancel. However, many respondents report that they are reviewing their regular household payments almost four times a month (3.83), and more than half (51%) have some form of financial protection in place. Posted in: Investment - Articles Posted on: Monday Oct 5

Third-party cyber risk tops concerns for DB pension trustees Seven in ten (70%) DB Pension trustees say third-party or administrator vulnerability is among the biggest cyber risks facing schemes. 60% have board-level reporting and clear responsibilities for cyber incidents. Fewer than half (44%) regularly test their incident response plans Posted in: Pensions - Articles Posted on: Monday Oct 5

October 2026 Edition of the Actuarial Post Magazine Our cover story is from Emmanuèle Lutfalla and Louis Fer from Signature on why AI losses have no natural insurer. We also have Rolf Hamm from WTW on the advent of a super El Niño with an article entitled Managing hyper-volatility when the extreme becomes the norm. Sanjay Nursing from SAS has an article on insurers customer fairness isn’t a nice to have it’s your duty. Our regular authors are also prominent with articles, amongst others, Dale Critchley outlines why employers investing in a pension scheme can pay dividends for them. Helen Richardson from LexisNexis tells us why Connected and Contributory Data is Key to Fighting Insurance Fraud. Posted in: Articles Posted on: Monday Oct 5

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