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With Life Insurance and AI, Mind the Performance Gap AI wields enormous promise, but it’s important to identify weak spots in skills and processes and adjust accordingly. The excitement and hype over AI has reached a fever pitch. Executive leaders are under pressure from boards, shareholders and other stakeholders to put it into action and identify the opportunities and efficiencies. Insurance is no exception, and we can already envisage vast swathes of possibilities to re-engineer processes and create economies of scale. Posted in: Articles Posted on: Thursday Aug 6

DB Pensions adopt objective-led approach to endgame planning A recent Society of Pension Professionals (SPP) roundtable of industry professionals has highlighted a fundamental shift in pension scheme decision-making amidst £160bn in aggregate surpluses and evolving regulatory options. Posted in: Pensions - Articles Posted on: Thursday Aug 6

Whose surplus is it anyway? Disputes over DB scheme surpluses are set to grow unless employers and trustees address questions over ownership, claims Hymans Robertson. Posted in: Pensions - Articles Posted on: Thursday Aug 6

Top Urban Hotspots for Wildfires As the U.K. experiences its fourth heatwave of the year following record June temperatures, and the U.K. Government invests in wildfire resilience, new analysis from LexisNexis® Risk Solutions, has revealed the top five urban locations where wildfire detections were recorded within 5km of city limits in 2025. Posted in: General Insurance Article Posted on: Thursday Aug 6

Call to use existing transfer technology to fix LoA problem Pension Lab has demonstrated that open standards transfer technology can also support the validation of and responses to Letters of Authority.The approach uses infrastructure already supporting pension, SIPP and ISA transfers, rather than requiring providers to build a new system or join another network.Open standards transfer tech is currently used by more than 150 financial institutions. Posted in: Pensions - Articles Posted on: Thursday Aug 6

Favourable insurance market conditions continue Abundant capacity and strong competition continue to benefit buyers, while AI-driven underwriting and geopolitical volatility reshape risk assessment Posted in: General Insurance Article Posted on: Thursday Aug 6

Who can spot a pension scam? Three in five (60%) are either incorrect or unsure whether pension providers or advisers can cold call about pension opportunities. Two in five (40%) believe you can withdraw money from your pension at any age or said they did not know. One in five (20%) say a professional-looking website and positive online reviews are reliable indicators that a pension opportunity is genuine, while 20% are unsure. Standard Life highlights how scammers exploit uncertainty around pensions and urges savers to look beyond polished websites, online reviews and social media adverts Posted in: Pensions - Articles Posted on: Wednesday Aug 5

So you’ve connected to pensions dashboards… what next? As trustees, over the past few years you will have heavily relied on your administrator to help prepare your scheme for connection to pensions dashboards. They will know the dashboards regulations and Pensions Dashboards Programme’s standards inside out, be able to tell you the difference between Find and Value data and what a PeI is, and explain how they are connecting your members’ data to dashboards. (And if they haven’t, here’s a glossary of dashboards terms!) Posted in: Articles Posted on: Wednesday Aug 5

Tribunal upholds FCA ban on pair in pension transfer advice The Upper Tribunal upheld the FCA's decision to ban Richard Fenech and Heather Dunne from working in financial services. The Tribunal agreed that both acted dishonestly by providing a backdated appointed representative agreement to the FCA. Posted in: Pensions - Articles Posted on: Wednesday Aug 5

Pet Insurance prices fall in Q2 but June rebounds Pet insurance prices continued to fall during the second quarter of 2026, although a sharp rebound in June suggests the sustained downward trend may be starting to lose momentum, according to the latest Pet Insurance Pricing Index from Defaqto’s Market Pricing Business. Posted in: General Insurance Article Posted on: Wednesday Aug 5

7 steps to protect finances from whatever the Budget holds Budget speculation season has started after Chancellor John Healey last week announced that he will hold his inaugural Budget on 28 October 2026. AJ Bell has warned that speculation around pension tax relief and tax-free cash can force people into making expensive mistakes. Seven sure-fire steps you can take ahead of the Budget – with no regrets Posted in: Investment - Articles Posted on: Tuesday Aug 4

August 2026 Edition of the Actuarial Post Magazine Our cover story is from long time contributor to the magazine Dale Critchley from Aviva who examines how you can insure your health, insure your home and car and even your life but how can you insure an income in retirement. We also have Mark Francis from the FCA and Simon Nixon from the PRA on increasing resilience across an interlinked financial system. Plus, PMI members Joe Moore and Julia Yates discussing Virgin Media -what now for pension schemes. Posted in: Articles Posted on: Tuesday Aug 4

Smaller pensions continue to seize buy-in opportunities Small defined benefit pension schemes are continuing to benefit from favourable conditions in the bulk annuity market, with well-prepared schemes increasingly able to secure competitive buy-in transactions, according to Quantum Advisory. Posted in: Pensions - Articles Posted on: Tuesday Aug 4

Pensions IHT ripple effect 22% have less trust in pensions New research shows over a fifth (22%) of adults have less confidence in pensions due to the upcoming pensions IHT change. However, official figures show around 7% of estates are expected to be financially affected in the first year of the change. Overestimation of future IHT liabilities poses risk to retirement income: individuals in their mid-20s could lose out on £5,014 at retirement from pausing pension contributions for just one year – rising to £24,715 for a 5-year contribution break. Posted in: Investment - Articles Posted on: Tuesday Aug 4

Pension engagement rising but retirement decisions difficult Regular reviewing of pensions has risen from 38% in 2024 to 45% in 2026, while the proportion who never review their pension fell from 21% to 11% overall, according to new member research from TPT. Active members were also more likely to change their target retirement age, rising from 11% to 16%, and to look into investments or investment choices, increasing from 16% to 24%. However, among members aged 50+, 47% did not know whether they planned to take a lump sum. Among those not taking all their pension in one go, just over half, 52%, were uncertain what they would do with the remainder. Posted in: Pensions - Articles Posted on: Tuesday Aug 4

Unlock value through conversational intelligence Insurance companies still struggle to unlock value from unstructured data, especially customer conversations. In this Swiss Re expert insight, Marco Spagnuolo, Head Conversational AI Solution, explains how AI-powered Conversation Intelligence transforms call centre audio into structured data. This allows insurers to increase operational productivity, improve customer experience, and strengthen risk management by identifying patterns, monitoring complaints, and detecting potential fraud. AI is already changing how insurers turn everyday interactions into actionable risk insights. Posted in: Articles Posted on: Monday Aug 3

Tax charges on pension savers surge 22% Private pension statistics from HM Revenue & Customs last week showed that both the number of charges against the pensions annual allowance (AA) and the value of contributions in excess of the AA, reported via self-assessment (SA), increased significantly between 2023/24 and 2024/25: Posted in: Investment - Articles Posted on: Monday Aug 3

Average claim for subsidence hits record £20k in hot weather New figures from the ABI’s latest Property Insurance Tracker show home insurers paid out £72 million for domestic subsidence claims during the second quarter of 2026, with the average subsidence claim reaching a record £20,000. The average payout is more than £2,000 higher than in the same period last year, highlighting both the growing cost of subsidence and the vital protection insurance provides for homeowners. Posted in: General Insurance Article Posted on: Monday Aug 3

Forces driving the institutionalisation of wealth management Wealth management is becoming increasingly institutionalised. We examine the key trends driving this shift and what it means for firms and clients. Wealth management has always sat apart from other parts of financial services. Pension schemes exist for one main reason: to provide income in retirement. Insurance transfers risk. Asset management focuses on generating returns for a given level of risk. Wealth management, by contrast, has never had a single job. Posted in: Articles Posted on: Monday Aug 3

The life moments dashboards will matter most Nearly half of pensions professionals expect dashboards to be used primarily at key life moments such as retirement or job changes, according to new polling from WTW. The findings point to a decisive shift away from continuous engagement towards more targeted, event-driven use. Posted in: Pensions - Articles Posted on: Monday Aug 3

Touching records on both sides of the pond Richard Hunter, Head of Markets at interactive investor, commented “US markets ended a rollercoaster month on a high, as investors looked through rising bond yields and persistent AI spending concerns. Posted in: Investment - Articles Posted on: Monday Aug 3

Aviva completes £300m buy-in with Elementis Group Pension Aviva has completed a £300 million bulk purchase annuity buy-in with the Trustee of Elementis Group Pension Scheme, securing the benefits of 4,500 members. The transaction covers defined benefit liabilities and enables a subset of members to access additional voluntary contributions as a primary source of tax-free cash through Aviva’s integrated DB&C Master Trust solution. Posted in: Investment - Articles Posted on: Monday Aug 3

PPI publish their Pensions Primer for 2026 The Pensions Policy Institute (PPI) is delighted to announce the launch of the latest edition of the UK Pensions Primer 2026/27 – our comprehensive annual guide to the UK pensions system. Posted in: Pensions - Articles Posted on: Monday Aug 3

IHT impacting higher proportion of families HMRC's latest Inheritance Tax liabilities statistics show that 4.72% of UK deaths resulted in an Inheritance Tax (IHT) charge in 2023/24. It marks an increase compared with 4.62% in 2022/23. Posted in: Investment - Articles Posted on: Monday Aug 3

TPR accepting applications for multi-employer CDC schemes Applications to The Pensions Regulator for multi-employer Collective Defined Contribution (CDC) pension schemes open today, marking an important milestone in the development of CDC pensions and the next stage in their availability across the UK pensions market. Posted in: Pensions - Articles Posted on: Friday Jul 31

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