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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

Lump sums taken early and spent – Budget fears make it worse 76% of people aged 55-64 say they have already taken the lump sum from their pension, according to AJ Bell research. 23% of people who aren’t doing any work in retirement say they were still working when they took the first payment from their pension. Of those who say they have taken a lump sum from a pension, only 30% used the first payment to cover living costs. Meanwhile, 26% paid for home improvements, 21% spent it on a holiday, 19% paid off debt and 16% bought a new car41% of people say they have managed their pension well so far, while 38% of people say they haven’t. Budget speculation around the fate of tax-free cash has led to excess tax-free cash withdrawals which can harm retirement outcomes in the long term. Posted in: Pensions - Articles Posted on: Monday Oct 5

DB transfer compensation estimated to drop further for Q4 26 Broadstone finds a reduction to redress levels due to rising bond yields. A gain expected in most cases meaning that no redress is payable as the consumer is judged to be better off as a result of transferring. Cases where transfers occurred sometime ago or which have experienced poor investment returns may mean that redress is payable Posted in: Pensions - Articles Posted on: Monday Oct 5

Footsie loses early gains from energy crisis repercussions FTSE largely flat in early trade, as geopolitical concerns continue to swirl and a snap election is called in Spain after mass protests. Softer US jobs data had buoyed markets at the start of the week, but the Fed is still on track to raise rates. Oil remains the big risk with Brent still above $101 a barrel and more than 40% higher than before the Iran conflict erupted. Attacks by Iran-backed Houthis and another tanker incident in the Strait of Hormuz are keeping fears of further supply disruption alive. The coordinated release of emergency oil and refined fuel stocks by the G7 could take some heat out of prices. Markets still pricing in three to four Bank of England rate rises over the next year. Posted in: Investment - Articles Posted on: Monday Oct 5

Home and Motor insurance set to unlock £500m annually Capturing these productivity gains could lead to a fall in insurer’s aggregate administrative expense ratio from 10.3% to 8.7% by 2030. Net earned premiums for home and motor insurers are projected to have a compound annual growth rate of 2.5%, increasing from £22.8b to £26.4b by 2030. Average combined premiums for home and motor fell 4.3% year on year, from £916 in Q1 2025 to £877 in Q1 2026, according to ABI data, while insurers continued to face rising costs. Posted in: General Insurance Article Posted on: Friday Oct 2

Zurich completes Beazley acquisition Zurich Insurance Group (Zurich) today announced the completion of its acquisition of Beazley Plc (Beazley), bringing together two highly complementary businesses to create the world's largest specialty insurance business, headquartered in London. Posted in: Investment - Articles Posted on: Friday Oct 2

1 in 3 adults don’t think they’re on track for retirement Nearly one in three (31%) UK adults are not confident they are on track for the retirement lifestyle they want, according to new research from M&G. To help people better understand their approach to retirement saving and take practical action, M&G has launched a new Retirement Readiness Quiz that identifies four distinct pension personalities. Posted in: Pensions - Articles Posted on: Friday Oct 2

The £300 mistake drivers could make when borrowing a car September is peak season for borrowing, lending, and hiring cars, yet many UK drivers do this without realising they’re uninsured, according to Go.Compare. Back-to-school season and vehicle repairs have seen a spike in temporary car insurance searches, but many drivers don't know the product even exists. Posted in: General Insurance Article Posted on: Friday Oct 2

Clerical Medical exit DB pensions - A catalyst for change With Clerical Medical deciding to exit the defined benefit pensions market, many affected schemes are now considering their options and what comes next. For some trustees and sponsors, the immediate priority will be finding a replacement. This change also provides a valuable opportunity to step back and consider how a different approach could deliver greater benefits to the scheme, whilst reconsidering the near and longer-term objectives. For many years, the Guaranteed Pension Contracts (GPCs) offered by Clerical Medical provided a practical solution. Posted in: Articles Posted on: Thursday Oct 1

Fewer births reveal pressure on triple lock In the middle of 2025, there were 69.5 million people in the UK – up just 0.3% in a year (source: Population estimates for the UK, England, Wales, Scotland and Northern Ireland - Office for National Statistics) The number of births fell 9,700 in a year to 652,400 – this is significantly lower than the average since mid-1982 of 739,500. The average age in the UK was 40.9. There were 285 people of pensionable age for every 1,000 people of working age. Total population change, including migration, was 227,700 – well below the average since 1982 of 298,300. The figures suggest fewer working people are footing the bill for increasing numbers of pensioners, putting the sustainability of the triple lock into question Posted in: Life - Articles Posted on: Thursday Oct 1

Employee pension contributions jump to £3.2bn Employee contributions into private sector Defined Contribution (DC) occupational pension schemes reached £3.2 billion in the first quarter of 2026, according to the latest ONS funded occupational pension schemes data. Posted in: Investment - Articles Posted on: Thursday Oct 1

The vulnerability gap: 34 million face uncertain retirement The vulnerability gap: 34 million face uncertain retirement Posted in: Pensions - Articles Posted on: Thursday Oct 1

Sober start to October for the Footsie amid inflation fears FTSE 100 starts October on the back foot as rising oil prices and inflation fears fuel expectations of higher UK borrowing costs, with the bond market also flashing warning lights. House prices fell 0.2% in September, according to Nationwide, as higher mortgage rates and Middle East uncertainty weigh on buyers. Brent crude edges closer to $100 a barrel, with flows through the Strait of Hormuz recovering but insurance and geopolitical risks still elevated. Bank of England warns of growing financial risks from the AI boom, with AI-related debt issuance reaching around $450bn in the year to September. Posted in: Investment - Articles Posted on: Thursday Oct 1

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