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Myth vs reality: knowing your true product recall exposure With ever improving quality systems, product recalls should be in decline – so why have they been rising in recent years? This article explores the gap between recall myths and reality and how you can minimize your risk exposures. In 2025, the number of product recalls in Europe rose for the seventh consecutive year, reaching a historic high of more than 15,600.[1] The size of recall events have also been increasing. In the U.S., while the number of incidents was stable in 2025, the volume of product units recalled increased by more than 25%.[2] Posted in: Articles Posted on: Friday Jul 17

Rising tax burden weighs on HENRYs as wealth tax fears mount £150,000 earners receive 3.8x the median salary but pay more than 10x as much income tax. Rathbones economic analysis suggests a UK wealth tax could result in more than £100 billion of wealth being redirected away from productive investment in the UK. Posted in: Investment - Articles Posted on: Friday Jul 17

FTSE 100 more resilient as AI valuations face reality check AI valuations face a reality check as investors question whether huge infrastructure spending will deliver sufficient returns. The FTSE 100 looks more resilient as investors rotate towards energy, defence, healthcare and financials amid tech turbulence. Contract chipmaker TSMC’s update triggers fresh slide in tech stocks over worries about high capital spending on building out infrastructure. Middle East tensions are keeping oil markets on edge, with fears over disruption to key shipping routes adding to inflation concerns. Netflix results disappoint, with investors demanding clearer evidence of future growth drivers. Burberry puts its best foot forward in the US and China, but Middle East conflict dents trade elsewhere Posted in: Investment - Articles Posted on: Friday Jul 17

Comments on deadline for 2nd Pensions Commission report Catherine Foot, Director of the Standard Life Centre for the Future of Retirement, comments on the consultation deadline for the interim report of the Second Pensions Commission. Posted in: Pensions - Articles Posted on: Friday Jul 17

PSIG relaunches with refreshed identity and future strategy The Pension Scams Industry Group (PSIG), established in 2014 to help protect pension savers from fraud, deception and sharp practice, has today relaunched with a refreshed identity, updated mission statement and new digital presence. Posted in: Pensions - Articles Posted on: Thursday Jul 16

Housing costs push revised RLS easy retirement further away The recently updated ‘moderate’ Retirement Living Standard remains challenging for many on average earningsMost savers unlikely to achieve a ‘comfortable’ retirement without contributions above 20%Renters could struggle to meet even a minimum standard of living in retirement Posted in: Pensions - Articles Posted on: Thursday Jul 16

FCA cracks down on misleading car finance claims adverts As part of the joint taskforce’s continued crackdown, in June the Financial Conduct Authority (FCA) had 170 misleading car finance claims adverts removed or amended by claims management companies (CMCs), bringing the total up to 1,200 since January 2024. Posted in: General Insurance Article Posted on: Thursday Jul 16

Later life wealth is about enjoying everyday moments New research from leading insurer, Aviva, suggests that when UK homeowners aged 55+ think about “financial freedom” in later life, they think about enjoying the everyday moments, not just the big adventures. Posted in: Investment - Articles Posted on: Thursday Jul 16

Virgin Media – what now for pension schemes? Amongst the headline-grabbing provisions of DC Value-For-Money, investment mandation and DB surplus release, the Pensions Scheme Act 2026 also provided the industry with a legislative response to the long-running uncertainty created by the Virgin Media ruling. The introduction of retrospective certification for certain historic benefit amendments is a welcome and pragmatic development, as is the accompanying guidance from the FRC and TPR - but it may not be a universal solution, as this article explores. Posted in: Articles Posted on: Thursday Jul 16

Third of drivers scared to claim on insurance More than one in three UK motor policyholders now worry about making an insurance claim for fear it would significantly increase their future premiums. Premiums are confirmed to be rising again this year, with just 13% of policyholders feeling motor insurance costs are stabilising or falling. Four in ten now say insurance costs, combined with recent rises in fuel prices, are making driving unaffordable. A quarter of policyholders would be willing to share more of their data with their insurer if it unlocked more affordable premiums. Posted in: General Insurance Article Posted on: Thursday Jul 16

Warning that simpler pension transfers plans may not work The Society of Pension Professionals (SPP) has warned that crucial new government measures designed to protect savers from pension scams could be undermined by legislative loopholes and are therefore unlikely to work as intended in practice. Posted in: Pensions - Articles Posted on: Thursday Jul 16

The Call for Claims Intelligence at Underwriting and FNOL As the insurance market faces regulatory pressure to ensure that insurance products represent fair value and claims are paid efficiently, the potential for greater claims intelligence both at underwriting and point of claim, particularly First Notification of Loss (FNOL), is becoming increasingly clear. Looking first at underwriting, claims data has long been used by insurance providers to assess the likelihood of future claims and inform pricing. However, that data has been limited to the insurance provider’s own experience of claims. Posted in: Articles Posted on: Wednesday Jul 15

Possibility of the SPA rising to 68 earlier than planned Standard Life Centre for the Future of Retirement comments on the possibility of the State Pension Age rising to 68 earlier than planned Posted in: Pensions - Articles Posted on: Wednesday Jul 15

Quantum Advisory promotes Adam Cottrell Quantum Advisory, the leading pensions and employee benefits consultancy for small and medium-sized schemes and employers, today announced the promotion of Adam Cottrell to the role of Principal Consultant. Adam, who is based in the firm’s Head Office in Cardiff, took up the role from 1 July 2026. Posted in: Lifestyle Article Posted on: Wednesday Jul 15

Growth in sole trustee market slows The sole trustee market is continuing to grow, but at a markedly slower pace, says Hymans Robertson in its latest report on the professional corporate sole trustee market. Posted in: Pensions - Articles Posted on: Wednesday Jul 15

State Pension Age income tax payers rise by over 1 million Data released today by HMRC estimates that for 2023-24 there were 8.16 million Income Tax payers over the State Pension Age, an increase of over a million on the previous year (7.13 million for 2022-23). HMRC also projects that for 2026-27 there will nearly be a further 1.5 million Income Tax payers over State Pension Age with the number estimated to reach 9.58 million. The Personal Allowance Income Tax threshold has been frozen at £12,570 since April 2021, with the Chancellor recently extending this freeze until April 2031. Posted in: Pensions - Articles Posted on: Wednesday Jul 15

Mansion House speech marks a legacy moment Chancellor Rachel Reeves delivered her third Mansion House speech last night (14 July).Andy Burnham is set to become the next prime minister as early as next week after securing the backing of the vast majority of Labour MPs. Posted in: Investment - Articles Posted on: Wednesday Jul 15

Aon appoints Sean Deehan as CEO of STG for APAC Aon have announced the appointment of Sean Deehan as CEO of Strategy and Technology Group for APAC, effective immediately. Posted in: Lifestyle Article Posted on: Wednesday Jul 15

PIC complete £4.3bn Rolls-Royce buyout Pension Insurance Corporation plc (‘PIC’), a specialist insurer of defined benefit pension schemes, has completed the buyout of all 36,000 members of the Rolls-Royce UK Pension Fund (“the Fund”), just nine months after signing a £4.3 billion full buy-in with the Trustee. Posted in: Investment - Articles Posted on: Wednesday Jul 15

15 million workers risk inadequate retirement incomes The Association of Consulting Actuaries’ (ACA) Pensions Adequacy Working Group has submitted its report to the Pensions Commission, setting out a package of reforms aimed at improving sustainable retirement income for under-pensioned groups. The report notes that while automatic enrolment has significantly increased pension participation, adequacy remains a serious challenge, with around 15 million workers under-saving and particular risks for lower-paid workers, women with interrupted careers, carers, ethnic minority groups, the self-employed and people with disabilities. Posted in: Pensions - Articles Posted on: Wednesday Jul 15

Accumulation alert: remembering the 2011 Thai floods In our latest episode of Risk REconsidered, we shift to a video format as we mark the 15th anniversary of massive flooding in Thailand that began as a regional disaster but grew to into a global supply-chain crisis. Balz Grollimund, who heads Swiss Re's Catastrophe Perils team, says these historic floods endure as reminder of why insurers and reinsurers must work diligently to manage risks and exposures that can accumulate quickly across their portfolios, producing losses well beyond expectations. Like Grollimund says, the Thai floods – still the costliest floods ever for the insurance industry – continue to provide relevant takeaways that we can apply to strengthen society's ability to prepare for and recover from natural disasters. Posted in: Articles Posted on: Tuesday Jul 14

Industry needs consensus on sustainable pension policies PMI’s Response to the Pensions Commission Interim Report calls for simplicity, stability and saver-focused reform. A range of improvements could be progressed immediately to address adequacy challenges. PMI offers to convene pension experts to provide practical operational insight into how future reforms can be successfully delivered. Posted in: Pensions - Articles Posted on: Tuesday Jul 14

Industry comments on latest PPF7800 figures for June 2026 Broadstone and Gallagher comment as the aggregate surplus of the 4,838 schemes in the PPF 7800 Index improved slightly through June 2026, increasing by £0.2 billion to reach £264.0 billion in surplus with a small decrease to the funding ratio which dropped by 0.1 percentage points to 131.1%. The number of schemes in surplus also registered a slight downturn dropping by 6, from 3,826 to 3,820 representing nearly four in five (79.0%) of all schemes in the universe. Posted in: Pensions - Articles Posted on: Tuesday Jul 14

TPR publishes new five year Corporate Strategy The Pensions Regulator (TPR) has set out a clear direction for the next five years with the publication of its new Corporate Strategy, its latest Corporate Plan and a Regulatory Roadmap supporting the implementation of the government’s pensions reform agenda. Automatic enrolment has transformed retirement saving in the UK, with 23 million people now saving into a workplace pension. But the pensions system is still unfinished business with 15 million working-age people under-saving for retirement. Posted in: Articles Posted on: Tuesday Jul 14

PPF publish latest PPF7800 Index figures for June 2026 This update provides the latest estimated funding position, based on adjusting the scheme valuation data supplied to The Pensions Regulator as part of the schemes’ annual scheme returns, on a section 179 (s179) basis, for the defined benefit pension schemes potentially eligible for entry to the Pension Protection Fund (PPF). Posted in: Pensions - Articles Posted on: Tuesday Jul 14

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