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The Top Annuity Myths Busted Nearly a third (30%) of UK adults aged 50 and over feel annuities are too difficult to understand, with women more likely to feel unsure than men. 17% mistakenly believe annuity funds cannot be passed on after death. One in five (20%) incorrectly believe annuities are only available once they have fully stopped working. L&G has launched a new ‘Annuity Myth Busters’ to address common misconceptions around annuities and how they work Posted in: Pensions - Articles Posted on: Thursday Oct 29

Dashboard connection deadline imminent next phase vital With the long awaited deadline for connecting to the MoneyHelper Pensions Dashboard now imminent, in the below comment, Lumera discusses what schemes must do next to ensure they are ready for public launch and can deliver a seamless experience for members. Posted in: Pensions - Articles Posted on: Thursday Oct 29

Budget 2026 what does it mean for personal finances Rob Morgan, Chief Investment Analyst at Charles Stanley Direct, part of Raymond James: The Budget was a quieter affair from a personal finance perspective relative to recent years. There were measures to assist first-time buyers, a targeted package to help with the cost-of -living and a few tweaks to taxes and allowances. Posted in: Investment - Articles Posted on: Thursday Oct 29

Final Day for Voting for Stars of the Future 2026 It's the your last chance to vote for our nominees in this years Stars of the Future as we close voting tonight The nominees are waiting for your votes. You can now vote for someone for Stars of the Future 2026, sponsored by Star Actuarial Futures. It’s vital to remember that we all started somewhere and becoming an actuary is no easy feat. We relish acknowledging the emerging talent within the actuarial market and celebrate the ones to watch with our Stars of the Future Awards. All of the finalists are celebrated and highlighted with three lucky winners taking home an award. Posted in: Articles Posted on: Thursday Oct 29

Budget is one step forward two steps back for entrepreneurs The Autumn Budget risks undermining the Government’s ambition to help British entrepreneurs start, scale and stay in business, sending mixed messages with changes to the tax framework, PensionBee has warned. Posted in: Pensions - Articles Posted on: Thursday Oct 29

New Pensions Tax Allowance as State Pension rise confirmed Patrick Thomson, head of research analysis and policy at Standard Life Centre for the Future of Retirement comments: “Confirmation in the budget documents that the State Pension will increase by 3.9% next April will be welcome news for millions of pensioners, but it also means the full new State Pension will rise to £13,036.40, overtaking the frozen £12,570 Personal Allowance. Posted in: Pensions - Articles Posted on: Wednesday Oct 28

Budget 2026 reveals future legislation for DC consolidation As part of the Budget 2026, the government has announced that it will introduce legislation in a future Finance Bill to support the consolidation of Defined Contribution. This will also include the introduction of Guided Retirement and Retirement-only Collective DC (RCDC) schemes. The details can be found in the link below. Posted in: Pensions - Articles Posted on: Wednesday Oct 28

Budget 2026 leaves health cover taxed like car insurance The Chancellor left Insurance Premium Tax at 12%, so health cash plans and private health insurance are still taxed at the same rate as car insurance. Employer-funded benefits also carry income tax for the employee and National Insurance for the employer. And with the National Living Wage rising 3.9% next April, employers are making hard choices about where their money goes. Posted in: Life - Articles Posted on: Wednesday Oct 28

Budget 2026 gives improved pension access to terminally ill Jenny Holt, Product Director at Standard Life, said: “This is a welcome and compassionate change which should make it easier for people facing terminal illness to access their own pension savings when they need them most. Posted in: Pensions - Articles Posted on: Wednesday Oct 28

OBR substantially ups CGT predictions alongside Budget 2026 The updated fiscal outlook released by the OBR forecasts a significant increase in Capital Gains Tax (CGT) receipts over the coming years, with the tax expected to raise £41.3 billion in 2031/32, up from £26 billion in 2026/27. Posted in: Investment - Articles Posted on: Wednesday Oct 28

OBR IPT forecast downgraded slightly alongside Budget 2026 The OBR’s projections released today alongside the Autumn Budget forecast that Insurance Premium Tax (IPT) will now raise £57.6 billion between 2025/26 and 2030/31, marking a slight £0.20 billion downgrade from estimates made following the Spring Statement in March (£57.8 billion), which registered a £0.5 billion upgrade from the Autumn Budget 2025. Posted in: Life - Articles Posted on: Wednesday Oct 28

Investment and Markets in Budget 2026 Hymans Robertson and Schroders comment in response to today's UK Budget, on investment and markets Posted in: Investment - Articles Posted on: Wednesday Oct 28

Pensions in the Budget 2026 Broadstone and Hymans Robertson comment as there was little substantial change to the pensions system announced in today’s Autumn Budget. The Chancellor confirmed changes to the Triple Lock previously announced by the Prime Minister and announced a new Pension Tax Allowance to shield pensioners with income up to the value of the full new State Pension from incurring income tax. Posted in: Pensions - Articles Posted on: Wednesday Oct 28

3.9% rise in Living Wage boosting pension contributions Kate Smith, Head of Pensions at Aegon, comments on the 3.9% increase to the National Living Wage from £12.71 per hour to £13.20 an hour for over-21s effective April 2027: Posted in: Pensions - Articles Posted on: Wednesday Oct 28

Storm Fatigue or Sensible Scepticism A new survey has revealed a divided response to the UK's autumn storm outlook, with one in three respondents believing media headlines overstate the threat. Everywhen, are warning that scepticism may be understandable, but businesses should not overlook the potential cost of weather-related disruption. Posted in: General Insurance Article Posted on: Wednesday Oct 28

Can you have more than one life insurance policy? Initially, having multiple life insurance policies sounds like a good idea, as having more protection is better; however, it is more complicated than this. L&G has outlined the number of policies a person can have as well as whether it is a good idea. Posted in: Life - Articles Posted on: Wednesday Oct 28

Chancellor to reverse cuts to Cash ISA tax-free allowance The Financial Times is reporting that the Chancellor will today announce that he is abolishing the planned cuts in the Cash ISA tax-free allowance, reversing the planned reduction from £20,000 a year to £12,000. Posted in: Investment - Articles Posted on: Wednesday Oct 28

No further pension tinkering as Chancellor weighs tax rises Isio experts outline their expectations for the Autumn Budget, examining developments in pensions taxation, personal financial planning, employee benefits and DC investment. Ahead of tomorrow’s Autumn Budget, the Chancellor faces mounting pressure to balance the public finances with the Government’s ambitions for economic growth. Posted in: Pensions - Articles Posted on: Tuesday Oct 27

Subsidence: Are insurers prepared for compound claims cycles Consecutive surge years may require insurers to look beyond annual notifications and manage a broader portfolio of new, existing and returning claims. The UK domestic and commercial property market is accustomed to subsidence surge years. The events of 2018 and 2022 reinforced how prolonged hot, dry weather can drive sharp increases in claim notifications and costs. Record-breaking conditions in 2025 underlined the peril’s financial significance. Posted in: Articles Posted on: Tuesday Oct 27

Specialty insurance rate softening accelerates Specialty insurance market rates fell sharply in the first half of 2026 and for the 1 July renewals, generally exceeding the rate reductions in 2025, according to WTW’s Specialty Insurance Marketplace Survey (SIMS). This has led to decreases of up to 17% net of claims and exposure trend as reductions. Posted in: General Insurance Article Posted on: Tuesday Oct 27

Looking into the Budget crystal ball Standard Life considers what could be lurking in the Chancellor the Exchequers’ red box – and why the biggest opportunity for pension savers lies beyond Wednesday’s announcement. With Halloween just around the corner, the Chancellor of the Exchequer is preparing to reveal what lies ahead for the nation’s finances in Wednesday’s Budget. Pressure on the public purse and difficult tax and spending decisions mean there is plenty for savers to watch as the announcement approaches. Posted in: Pensions - Articles Posted on: Tuesday Oct 27

Pension flexibility has hidden risk to millions of retirees Default retirement options in new legislation risk exposing millions of UK pensioners to financial losses, according to a new report by BIT (the Behavioural Insights Team), commissioned by the Institute and Faculty of Actuaries (IFoA). Posted in: Pensions - Articles Posted on: Tuesday Oct 27

PHP2Shell: AI is accelerating cyber risk exposure The recently disclosed PHP2Shell vulnerabilities have highlighted growing concerns about how advances in AI may accelerate the discovery and weaponization of software vulnerabilities. Moody’s Ratings and Moody’s have provided commentary and analysis below. Posted in: General Insurance Article Posted on: Monday Oct 26

Member behaviour emerges as a key driver of DC outcomes Scale requirements set to reshape the DC provider market. Growing use of private markets creates further differentiation across providers. Value for Money framework will place more emphasis on outcomes. Real world member behaviours must be taken into account by the pensions industry to improve member decision making and impact on outcomes, warns Hymans Robertson, as it releases its latest DC Provider Insights Report. The report shows considerable variation in provider performance over the five years to 30 June 2026. Posted in: Articles Posted on: Monday Oct 26

Comment on reported pension tax changes Reports suggest the Chancellor will use the Budget on Wednesday to raise the tax-free allowance for low-income pensioners to match the full new State Pension, ensuring those who rely solely on their State Pension do not pay income tax. The allowance would then rise in line with future State Pension increases over the course of the current Parliament. Posted in: Pensions - Articles Posted on: Monday Oct 26

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