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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

Why generic natural catastrophe models leave firms exposed If your organization relies on exposure maps and off-the-shelf natural catastrophe (nat cat) models to assess its risks and potential losses, you could be risking inefficient risk management, over or underinsurance, as well as poorly aligned coverage. While traditional exposure mapping shows whether your assets sit in a flood zone or earthquake region, it doesn’t tell you how an asset would behave during an event. How might the design and construction of buildings and equipment shape your likely losses? Posted in: Articles Posted on: Wednesday Sep 30

$100 tn of investment hangs on choice made under uncertainty Strategic decisions are becoming harder to execute because the conditions required to deliver them are changing at the same time, according to the latest research by Willis, a WTW business (NASDAQ: WTW). Posted in: General Insurance Article Posted on: Wednesday Sep 30

A major shift in the UK’s approach to retirement income Iain McLellan, Director at Isio: “The State Pension triple lock has long been the elephant in the room. While it has played an important role in protecting pensioners’ incomes, most economists and actuaries recognise that maintaining it indefinitely raises difficult questions about affordability and intergenerational fairness. Posted in: Pensions - Articles Posted on: Wednesday Sep 30

Strong competition leads to high activity for Bulk Annuities The bulk annuity market saw a significant number of deals transacted in the first half of 2026. However, as is typical in the first half of the year, total volumes are expected to be significantly higher in the second half. Posted in: Investment - Articles Posted on: Wednesday Sep 30

Oil prices ease as Greggs reveal efficient recipe Oil supply concerns ease as Middle East flows recover towards pre-war levels, helping lift sentiment across financial markets, with the FTSE 100 opening higher. Energy pain is far from over, with diesel supplies still squeezed and UK household energy bills forecast to jump by around 16% in January. Business confidence takes a hit, with the Lloyds Business Barometer falling 12 points to 41% in September, its lowest level since April 2025. Greggs cuts costs while expanding, proposing four factory closures and around 740 job losses while maintaining plans for 100–110 net new shops this year Posted in: Investment - Articles Posted on: Wednesday Sep 30

Triple lock plans put focus on private pensions Wealth Club, Howden and Standard Life comment as triple lock plans focus on private pensions Posted in: Pensions - Articles Posted on: Wednesday Sep 30

Comments on Pension Triple Lock becoming a Double Lock PensionBee, Aegon and Hymans Robertson comment on Prime Minister Andy Burnham speaking at the Labour Party Conference in Liverpool, confirming the State Pension Triple Lock will end after the current Parliament. From April 2030, the State Pension will rise in line with either prices or 2.5%, with the savings used to help fund a new National Care Service. Burnham also pledged that the State Pension would retain its value relative to earnings over the longer term and that those on the lowest incomes would not be dragged into paying tax as a result. Posted in: Pensions - Articles Posted on: Tuesday Sep 29

Survivor benefits equalisation: Hidden challenges LGPS face For many Local Government Pension Scheme (LGPS) funds in England and Wales, the McCloud rectification will be nearing completion or indeed now completed. However, the need to revisit historic cases is far from over. As attention turns to survivor benefits equalisation following the Access and Fairness changes, further rectification work will still be required. With funds now getting to grips with the scope and complexity of rectification exercises, we examine five challenges that may be flying under the radar. Posted in: Articles Posted on: Tuesday Sep 29

Four key options for investors concerned about CGT The annual exemption is often forgotten – as are some other ways to mitigate CGT. The UK’s investors have eyed the last few Budgets nervously as recent Chancellors have promised not to raise the rates of income tax, NIC and VAT and so have tended to look towards taxes on capital and wealth to raise revenues. Posted in: Investment - Articles Posted on: Tuesday Sep 29

Employers step up health support as return to work rises Over four in five employers say the Keep Britain Working Review to tackle economic inactivity has influenced their approach to supporting employees with health conditions or disabilities. Nearly nine in ten employers (87%) agree they have a responsibility to support employees with a health condition to remain in work rather than waiting until they need to take long-term sickness absence. Employer recognition of their role in supporting returns to work has increased from 82% to 87% since 2024. Demand for Government guidance on accessing support services has grown from 45% to 50% Posted in: Life - Articles Posted on: Tuesday Sep 29

How life's turning points change pension saving One in six (16%) people with a private pension who have experienced a major life event increased their pension contributions as a result. Becoming self-employed is the strongest positive trigger, with 18% increasing contributions, followed by having children (11%). However, life moments can also put pension saving under pressure, with 37% reducing, pausing or stopping contributions, rising to 45% following a career break, 33% after becoming self-employed, and 21% after having children. Furthermore, almost one in five (19%) say they only review their pension following a major life event or financial change Posted in: Pensions - Articles Posted on: Tuesday Sep 29

Gallagher strengthens Executive Leadership Team Gallagher’s Benefits & HR Consulting Division Strengthens UK Executive Leadership Team with Two New Appointments. Kate Hulme-Vickerstaff is appointed as Chief Operating Officer to drive operational effectiveness, business transformation and integration. Mark Rowlinson is appointed as Head of IT (Platforms) to lead platform strategy and responsible AI adoption. The appointments demonstrate Gallagher’s commitment to developing and elevating leadership talent from within the organisation Posted in: Lifestyle Article Posted on: Tuesday Sep 29

Burnham’s energy pitch expected as diesel fans inflation Burnham puts energy security and costs centre stage as the Labour conference opens against a backdrop of surging energy prices and concerns about the impact on businesses and households. Markets remain jittery as fears over fuel supplies threaten to reignite inflationary pressures, with Brent Crude back above $106 a barrel. Diesel stress is intensifying, with the UK heavily reliant on imports and a potential US export ban threatening to tighten supplies further. Posted in: Investment - Articles Posted on: Tuesday Sep 29

What Healey’s Budget could mean for your money With one month to go until the Budget, Chancellor John Healey is promising a “new confidence in Britain” and a “new age of industrialisation” putting growth at the heart of his economic message. But for households, confidence starts with knowing where they stand. PensionBee research found 57% of savers aren’t confident the government will protect their pension savings in this Budget – underlining the challenge for a Chancellor aiming to get Britain investing and growing. Posted in: Pensions - Articles Posted on: Tuesday Sep 29

Gen X raiding pension funds risk unexpected tax hit Almost half of pension pots accessed for first time in 2025-26 were fully encashedMore than 300,000 people aged 55-64 completely emptied their pension pot70% of those cashing in their full pension pot did so without taking financial advice Posted in: Pensions - Articles Posted on: Monday Sep 28

Make your nominations now for the 2026 Actuarial Post Awards We are pleased to announce that the nominations for the Actuarial Post Awards 2026 are now open! This will be the 14th year of running the awards and each year they become more popular with ever increasing numbers nominated and voted upon. This year we welcome back our sponsor, Pension Insurance Corporation plc (PIC), a specialist insurer of defined benefit pension funds, for sponsoring Actuary of the Year 2026, alongside our long- term sponsor partners Bolton Associates, sponsoring GI Actuary of the Year 2026 and Star Actuarial Futures for sponsoring Sustainability Actuary of the Year 2026, and a new category of AI Actuary of the Year 2026 Posted in: Articles Posted on: Monday Sep 28

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