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Longevity Perspectives Industry experts Huey Fang Chen, Head of L&H Structured Solutions Asia, and Kerry McMullan, Global Head of L&H Structured Solutions, explore global trends in transferring longevity risk, highlighting how demographic changes and regulatory developments are transforming the market. Key themes: • Transfer of pension liabilities to insurers and reinsurer's role • Regulatory impact on market trends (UK & international) • Swiss Re Institute insights on APAC’s growing silver economy Posted in: Articles Posted on: Wednesday Dec 24

Coping with extreme climate and geopolitical uncertainty Thriving in the face of hyper-volatility means building financial resilience using a combination of quantitative analytics and qualitative ‘storytelling’. When it comes to addressing interconnected extreme risks, companies have a number of choices from building flexibility into their operations and talent, to combining quantitative analytics with qualitative ‘storytelling’ approaches to better identify and manage risks. Understanding and quantifying risk tolerance is crucial to building financial resilience in a hyper-volatile world. Posted in: Articles Posted on: Wednesday Dec 24

Farmers get pre Christmas IHT reprieve Rathbones and Utmost Wealth comment as the government announced that the level of the Agricultural and Business Property Reliefs threshold will be increased from £1m to £2.5m when it is introduced in April 2026. Posted in: Investment - Articles Posted on: Wednesday Dec 24

Pension boost for mineworkers lands before Christmas Almost 40,000 former mineworkers across the UK receive first pension increase, with an average uplift of £100 a week and one-off £5,500 lump sum. Follows the government’s decision to transfer £2.3 billion to members of the British Coal Staff Superannuation Scheme. Government has now delivered justice for all members of the former British Coal pension schemes Posted in: Pensions - Articles Posted on: Wednesday Dec 24

Home insurers set for profit in 2025 losses likely in 2026 UK home insurers are set to finish 2025 with a slight profit, delivering a Net Combined Ratio (NCR) of 98%. Yet home insurers are expected to swing to a loss in 2026, with the NCR forecast to reach 102.1% by the end of next year; Home insurance premiums paid by customers are set to drop to an average of £326 in 2025, down from £329 in 2024 amid a falling claims environment. Premiums are expected to fall further in 2026 to an average of £306 – an almost 7% drop compared to 2025, as a result of increasing competition. Posted in: General Insurance Article Posted on: Tuesday Dec 23

Vulnerable customers see application forms time consuming Many vulnerable customers cite challenges with the insurance application process, while a significant proportion are denied a policy altogether. Some are left feeling uneasy and judged about the insurance application process, suggesting the industry has some way to go to improve processes, reveals a survey by GlobalData. Posted in: Life - Articles Posted on: Tuesday Dec 23

Advancing Data Driven Decision Making in 2026 As the general insurance landscape continues to evolve in response to shifting and growing risks, one constant remains: the need for sharper insights at speed. From motor to home and commercial property, data is the defining force in helping insurance providers make faster, more confident, and more accurate pricing and policy decisions. Against a backdrop of rising claims costs, ongoing regulatory scrutiny and growing climate risks, gaining a comprehensive, 360-degree view of the risk has become a business imperative, from quote right through to claim. Posted in: Articles Posted on: Tuesday Dec 23

Divorce day don’t let your pension be the forgotten casualty As the first working Monday of January, commonly known as “Divorce Day” approaches, Moneyfarm is calling on couples to ensure pensions are not overlooked during separation. With retirement savings often representing one of the most valuable assets in a marriage, failing to address them can have long-term consequences. Posted in: Pensions - Articles Posted on: Tuesday Dec 23

AI, cyber insurance and climate change key to 2026 insurance Artificial intelligence (AI), cyber insurance, and climate change/natural catastrophes are the three themes that will have the biggest impact on insurance in 2026, according to the annual predictions from GlobalData, a leading intelligence and productivity platform. Posted in: General Insurance Article Posted on: Monday Dec 22

Economy grinding to a halt as spectre of recession looms Comment from Lindsay James, investment strategist at Quilter, on the latest UK GDP quarterly national accounts data Posted in: Investment - Articles Posted on: Monday Dec 22

Pension boost for minimum wage workers on 15 hours per week The increase in the National Living Wage from April 2026 means a 15-hour working week (around two working days) meets the £10k annual earnings trigger for pensions auto-enrolment. This is ten hours per week fewer than when auto-enrolment was introduced. Employees working full-time on the new minimum wage could build a pension pot worth £208k at retirement age. The Pension Commission will need to strike the right balance between addressing under saving and pressures on employers dealing with rising employment costs Posted in: Pensions - Articles Posted on: Monday Dec 22

Employers ill prepared for risks of overseas assignments Employers are ill-prepared for the wide range of risks of sending employees overseas, according to the international experts at Towergate Employee Benefits. With 79% of UK companies stating they have relocated employees abroad1, the issue is wide-reaching. Knowing where and how to provide support is the key to the health and wellbeing of employees and their assignments overseas. Posted in: General Insurance Article Posted on: Monday Dec 22

What does climate change mean for investors today Climate risk is no longer a peripheral issue for investors or energy system planners; it is a direct driver of value, resilience and long-term performance. We recently discussed this on an episode of Beyond Curious with LCP, where one of the central ideas was the value of treating climate change the way an investor treats a company balance sheet. What sits on the asset side of the climate ledger – resilience, innovation, adaptation, new technologies – and what sits on the liability side – physical risk, supply-chain fragility, policy volatility, and carbon-intensive legacy assets? Posted in: Articles Posted on: Monday Dec 22

Comment on House of Lords Economic Affairs Committee inquiry Standard Life comment on the House of lords Economic Affairs Committee inquiry Posted in: Pensions - Articles Posted on: Friday Dec 19

From start line to surplus: hedging for run on As more defined benefit (DB) schemes choose to run on rather than move straight to buyout, attention is turning to how investment strategies can be refined to improve outcomes for members and sponsors. Our recent article, Making your assets work harder in run-on, explored how investment strategy can support this direction of travel. This article looks at the other key lever: liability hedging. By setting hedging in line with your run-on objective, time horizon and surplus policy, trustees and sponsors can reduce funding level volatility, preserve transaction affordability and create more scope for surplus, without taking unrewarded risk. Posted in: Articles Posted on: Friday Dec 19

Consultation launched for TPRs new multi employer CDC code The Pensions Regulator (TPR) is paving the way for an expansion in the collective defined contribution (CDC) market which could help more savers to achieve a higher, more predictable retirement income. Posted in: Pensions - Articles Posted on: Friday Dec 19

Inheritance Tax revenue engine on track for record year This morning’s HMRC update shows that Inheritance Tax (IHT) receipts totalled £5.8 billion through the first eight months of the 2025/26 financial year (April to November 2025). The figure represents an increase of £83 million, or 1%, compared to the same period in 2024/25 (£5.7 billion), setting the scene for yet another record haul for the Exchequer. Posted in: Investment - Articles Posted on: Friday Dec 19

IPT continues upward trend and set for record annual haul Latest HMRC data shows that IPT has raised £6.78 billion in the first eight months of the 2025/26 financial year (April–November), following November’s contribution of £1.258 billion. This represents an increase of £125 million compared to the same period last year (£6.65 billion in 2024/25), which ultimately delivered a record annual total of £8.88 billion. Posted in: General Insurance Article Posted on: Friday Dec 19

DC Pension Tracker rises over the previous quarter The Aon UK DC Pension Tracker rose over the quarter, with all savers expected to see an increase in their expected future living standard in retirement.Positive benchmark investment performance over Q3, particularly in equity markets, has pushed all savers closer to the next Retirement Living Standard, in spite of recent rises in required income for a Moderate or Comfortable standard.Despite the changes announced in the Budget, salary sacrifice still provides a valuable benefit to employees. Posted in: Pensions - Articles Posted on: Thursday Dec 18

Bank of England cuts rates as predicted Hymans Robertson, Standard Life, XPS Group and Royal London comment as Bank of England cuts interest rates to 3.75% the lowest level in three years with knife edge vote, following a bigger than expected fall in CPI earlier this week Posted in: Investment - Articles Posted on: Thursday Dec 18

FCA expands insurance work in reply to Which super complaint The FCA are expanding the significant work we had planned to improve standards in the home and travel insurance markets, following Which?’s super complaint. While 79% of consumers who make an insurance claim are satisfied with how it was handled, our work shows there’s room for improvement - with 3 in 10 saying there isn’t enough information to judge the quality of different policies. Posted in: General Insurance Article Posted on: Thursday Dec 18

The implications of Aberdeens landmark deal Aberdeen's pioneering transaction to assume sponsorship of the £1.2bn Stagecoach Group Pension Scheme (SGPS) marks a significant milestone in the evolution of UK defined benefit (DB) pensions. The deal shows that there are alternatives for well-funded schemes to access surplus, beyond the well-trodden buyout path. Under the Stagecoach transaction, Aberdeen became the sponsoring employer of the SGPS, enabling the scheme to run-on and deploy surplus assets to enhance member benefits. Posted in: Articles Posted on: Thursday Dec 18

PIC completes full buyin for Peel Ports Final Salary Pension PIC, a specialist insurer of defined benefit pension schemes, has concluded a £230 million buy-in with the Trustee of the Peel Ports Final Salary Pension Scheme ('the Scheme'), covering the pensions of c.2,000 members across a number of Peel Ports Group companies including, The Mersey Docks and Harbour Company Limited, Port of Sheerness Limited, The Manchester Ship Canal Company Limited, Clydeport Limited, and Clydeport Operations Limited. Posted in: Investment - Articles Posted on: Thursday Dec 18

6th year insured natural catastrophe losses exceed $100bn 2025 insured losses from natural catastrophes set to reach USD 107 billion, mainly driven by LA wildfires and severe convective storms in the US. LA wildfires costliest ever wildfire event globally with insured losses of USD 40 billion. Hurricane Melissa costliest hurricane of 2025 with estimated insured losses of up to USD 2.5 billion in otherwise benign season Posted in: General Insurance Article Posted on: Wednesday Dec 17

Nearly 4 in 10 adults live with ongoing medical conditions UK health and life insurer The Exeter has released new research showing that nearly four in ten UK adults (39%) are living with one or more ongoing medical conditions. The findings underscore the importance of ensuring that individuals living with long-term health issues have clear pathways to protection – particularly at a time when broader concerns about access to healthcare remain. Posted in: Life - Articles Posted on: Wednesday Dec 17

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