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US Interest Rates is it concession or capitulation

Wealth Club, Schroders, Forvis Mazars and Isio comment as the Federal Reserve lowers interest rates by 0.25%, marking its first rate cut since December 2024 amid mounting political pressure.
Posted on: Thursday Sep 18

Businesses behind booming private healthcare sector

Insured admissions rise to 171,000 in Q1 2025 – the joint highest ever quarter. Over 70% of private health treatments now funded by Private Medical Insurance. Pushes total private health admissions to nearly a quarter of a million treatments amid significant strain on NHS care.
Posted in: Life - Articles
Posted on: Thursday Sep 18

Actuarial View on Crypto Futures to Buying Bitcoin on Kraken

What do number crunchers who price insurance risk know about crypto futures? Quite a lot, actually. The same math that calculates your life insurance premium can help you trade Bitcoin futures smarter. Let's talk about managing extreme risk in volatile markets.
Posted on: Wednesday Sep 17

How to save on risk lines using analytics


Shield your organization both from unnecessary costs and insurance shortfalls. Risk analytics can help you drive optimized risk retention, insurance limits and deductibles. If you’re under pressure to find cost savings, you may be asked to cut spend on specific risk lines. Risk managers who do this may see their organizational stock rise in the short-term, only for it to crash if they leave the business facing insurance shortfalls if there’s a claim.
Posted in: Articles
Posted on: Wednesday Sep 17

Minimise women's pension penalties

Susan Hope, Scottish Widows Retirement Expert, commented: “Saving into a spouse’s pension, also known as third party contributions, is a helpful, but often overlooked, financial planning tool. Not only can it maximise tax relief for those who have used up their allowance, but it can also provide a helping hand to your spouse if they haven’t been able to build up their own retirement savings.
Posted on: Wednesday Sep 17

5 reasons rising interest rates have not revived annuities

Annuities only made up 9.2% of the retirement market in 2024/25, according to data released by the FCA this week. That’s down from 10.1% in 2020/21. This fall comes despite the fact annuity rates have risen by around 50% in the last five years. Why rising interest rates haven’t revived the annuity market
Posted on: Wednesday Sep 17

How do people out of employment fare when SPA rises

Catherine Foot, Director of the Standard Life Centre for the Future of Retirement, commenting on the IFS’s report How do people already out of employment fare when the state pension age rises
Posted on: Wednesday Sep 17

Do not make panic withdrawals ahead of the Budget

Millions of people saving in Defined Contribution (DC) pension schemes can usually take 25% of the their pension pot as a tax-free lump sum once they reach 55 (57 from April 2028). The most that can be taken is £268,275.
Posted on: Wednesday Sep 17

Charities see improving DB pensions funding in 2025

The combined reserves of the largest 40 charities in England & Wales that sponsor DB pensions schemes now sits at £49bn in 2025, according to Hymans Robertson’s annual report on DB pension funding in the charitable sector. The analysis also shows a 5% rise in average funding level of the DB schemes since 2024.
Posted on: Wednesday Sep 17

Everyday accidents prompt increase in hospital admissions

MetLife UK’s second Everyday Risk Report finds number of everyday accidents is on the rise. A&E visits increased 3.8%, while hospital admissions increased 7% year-on-year. Despite the risk, just one in ten (10%) have the right type of accident and sickness cover which would give them financial support when needed most.
Posted in: Life - Articles
Posted on: Wednesday Sep 17

5m of us leave sheds and outbuildings vulnerable to theft

Nearly three in 10 (29%) UK residents have experienced an attempted or actual break-in to their shed or outbuilding. Just over two thirds (67%) of those whose shed/outbuilding was broken into reported break ins – or attempted break ins – to their home at the same time. Despite this, one in eleven (9%) do not take measures to protect their shed or outbuilding - equivalent to around five million Brits. Aviva urges residents to secure homes, as claims data reveals the average claim for outbuilding and shed theft in 2024 was £4,205
Posted on: Wednesday Sep 17

Professional trustee market matures but growth slows

LCP’s latest and fifth annual survey on the Professional Trustee and Sole Trustee market – LCP Sole Mates highlights that while growth has slowed in the market, concentration continues apace with 80% (£800bn) of the £1.1 trillion scheme assets that Professional Trustee (PT) firms are responsible for managed by just 4 firms.
Posted on: Wednesday Sep 17

Weight loss drugs may reduce mortality 6.4 percent by 2045

Swiss Re's optimistic scenario estimates GLP-1 drugs could lead to a reduction in cumulative all-cause mortality in the US general population of 6.4% over the next 20 years. For the UK, Swiss Re's optimistic scenario forecasts a 5.1% cumulative reduction in all-cause mortality in the general population, over the same time horizon. Achieving the full potential of GLP-1 drugs is strongly dependent on availability, adoption rates, lifestyle and nutritional changes.
Posted in: Life - Articles
Posted on: Wednesday Sep 17

Comprehensive car insurance falls by 16 percent in 12 months

Comprehensive car insurance premiums have fallen by 16% (£136) during the last 12 months, with UK motorists now paying £735 on average, according to the latest Confused.com Car Insurance Price Index in association with WTW
Posted on: Wednesday Sep 17

Comments as inflation remains at 3.8 percent

Standard Life, Broadstone, Forvis Mazars and Wealth Club comment as the Consumer Price Index remains significantly higher than the Bank’s 2% target. Next month’s data will confirm which part of the triple lock determines the State Pension rise – most likely average earnings at 4.7%. This is set to deliver around a £563 rise in the State Pension next year, taking it to £12,536 for 2026/27, just shy of the Personal Allowance which is currently set at £12,570.
Posted on: Wednesday Sep 17

Lack retirement confidence as cost of living bites

New research from PensionBee reveals that September is a pinch point for household budgets, with rising bills leading many to reconsider their long-term savings. A nationally representative survey of 1,000 UK adults found that utilities and energy bills (26%) and food (20%) top the list of September money worries, followed by back-to-school costs (16%) and rent or mortgage payments (15%).
Posted on: Wednesday Sep 17

Over £70 billion withdrawn from pensions 2024/25

Pension savers withdrew over £70 billion from their retirement pots in 2024/25, an increase of 36% compared with the previous year, according to new data from the FCA
Posted on: Tuesday Sep 16

Fund managers pile back into the US

Latest BofA Global Fund Manager Survey shows professional investors are undertaking the second big rotation of the year. Having seen a shift from the US towards places like the UK and mainland Europe, fund managers are now going back to the US, according to the BofA survey. Valuations remain rich in the US and undemanding in places like the UK, Europe and China
Posted on: Tuesday Sep 16

Tax free cash withdrawals rise 63% to £18.3 bn in 2024/25

Withdrawals of tax-free cash pensions have more than doubled in the last two years, new figures from the Financial Conduct Authority reveal. £18.3 billion of tax-free cash was withdrawn in 2024/25, a 63% rise on the £11.3 billion recorded in 2023/24 and more than double the £8bn withdrawn 2022/23.
Posted on: Tuesday Sep 16

DB to DC transfers continue to fall in 2024/25

The retirement income market data 2024/25 from the FCA shows that the number of Defined Benefit (DB) to Defined Contribution (DC) pension transfers continues to decrease.
Posted on: Tuesday Sep 16

Data Use and Access Act can trigger a gold rush for insurers

DUAA clarifies ‘legitimate interest’ – meaning insurers can confidently use first and third-party data to engage with new prospects and lapsed customers
Posted on: Tuesday Sep 16

Assisted Dying Bill effect on your Life and Health Insurance

Countries such as Switzerland, Spain, Australia and Canada currently permit some form of assisted dying. It’s against the law in the UK, and this has forced many terminally ill patients to travel abroad for help or endure prolonged suffering at home, in a hospice or in hospital. The “Terminally Ill Adults (End of Life) Bill”, or the Assisted Dying Bill, passed the House of Commons in June 2025 and is now under consideration with the House of Lords.
Posted in: Life - Articles
Posted on: Tuesday Sep 16

BoE balancing act as employee numbers fall as wages rise

Comment from Richard Carter, head of fixed interest research at Quilter Cheviot on the latest UK labour market statistics.
Posted on: Tuesday Sep 16

State pension set to rise by at least £561.60 from April

Standard Life and Broadstone comment as average earnings likely to determine next April's state pension uplift under the triple lock. Pensioners will welcome the uplift, but questions on tax and long-term sustainability remain
Posted on: Tuesday Sep 16

Inside the rise of cargo theft

Cargo theft is surging worldwide, posing a growing threat to supply chains and consumer confidence. As eCommerce accelerates and global distribution networks become more complex, the cargo and marine insurance industry faces increasing pressure to combat sophisticated criminals in a complex cross-border environment.
Posted on: Tuesday Sep 16

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