All Insurance articles – Page 11
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News
Choosing the right derisking path
Analysis: Consultants say bulk annuity pricing has never been so attractive, yet the majority of pension schemes see self-sufficiency as their likely destiny. Who is wrong?
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OpinionSelf-sufficiency is not a permanent solution
Think you can outperform the insurers? It might be possible for schemes with deferred members, says JLT Employee Benefits’ Harry Harper, but employers will be keen to show pensioner liabilities the door.
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OpinionWe need flexibility and security in retirement
Freedom and choice has empowered individuals to make decisions based on their unique circumstances. However, this freedom also leads to challenges when making retirement income choices – among them, uncertainty over spending needs and longevity.
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Features
What can pension schemes learn from insurers?
Analysis: Prudent liability management features among the priorities of pension funds and insurers alike. Experts have previously called upon investors to think more like insurers, but differences in objectives, regulatory requirements and scale mean that total strategic convergence between schemes and insurers is unlikely.
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Opinion
Could improved understanding revive the annuity?
Analysis: Many savers have been reluctant to purchase an annuity following the government’s introduction of freedom and choice in 2015, but should they be nudged to reconsider their options?
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OpinionInnovation in the bulk annuity market
James Parker, Peter Coyne and Mark Jenkins of CMS Cameron McKenna outline two innovations driving the bulk annuity market following Solvency II
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OpinionEurope and pensions – where things are headed in the next three years
Anyone who wants to understand where pension regulation in Europe is going should take a look at the fund management industry, which has always been the trendsetter in European Union regulation.
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Opinion
The cost of a buy-in: A trio of factors dominate pricing
Feature: Many more schemes are expected to explore derisking avenues such as buy-ins and buyouts in 2016, but whether to press ahead will come down to affordability, which hinges on at least three key factors.
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Opinion
Indecision and fear: tax changes threaten the role of pensions in employee benefits
From the blog: More than half of schemes are considering offering a cash allowance to members affected by pension tax changes, as alterations to the lifetime allowance threaten to drive high-earners away from workplace pensions.
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Opinion
Why the UK’s standing in the European pensions market is so important
Data Crunch: Spence Johnson’s Magnus Spence outlines why the UK’s place in European pensions is so significant, accounting for half of all assets held between Germany, the Netherlands and itself.
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OpinionDerisking dead ends
Editorial: If you’re short of gift ideas for your favourite veteran trustee or scheme manager, the Pension Protection Fund’s Purple Book could be a good shout.
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Opinion
How to take advantage of medically underwritten bulk annuities
Medically underwritten buyout prices are coming down, says Barnett Waddingham’s Gavin Markham, and it could be time for trustees to take advantage of them.
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OpinionWhy the power of IGCs should not be underestimated
Investment governance committees lack the power of a trustee board, says Sackers’ Helen Ball, but they can still change workplace pensions for the better.
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Opinion
Is the medically underwritten annuity market too good to be true?
With many schemes seeking to take advantage of insurance pricing based on members' individual health rather than the more traditional postcode models, we have seen the emergence of a new approach to the pricing of bulk annuities.
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NewsIORP amendment threatens pot-follows-member
A draft report from the European Parliament committee on economic and monetary affairs has threatened the possibility of pot-follows-member legislation being introduced, lawyers have warned.
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News
Derisking market outpaces earlier estimates, topping £35bn
At £35bn, 2014's record derisking activity has exceeded initial estimates, a report has found, with experts also predicting a changing view of longevity will bring sustained market growth.
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Opinion
Longevity risk: Is the 1000-year-old man (or woman) a member of your scheme?
Advances in biomedical sciences have dramatically increased lifespans, which poses a real risk to a lot of schemes, with many now looking at the best ways to reduce such a risk.
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Opinion
Why buy-ins/buyouts are not always the right answer
Bulk annuity contracts such as buy-ins can actually increase a pension scheme’s overall risk, argues Mercer’s Andrew Ward, who looks at the alternatives to these deals in the latest Informed Comment.
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Opinion
How to determine the value to your scheme of a buy-in/buyout contract
In this week’s Technical View, Premier’s Claire Plackett explains how schemes can assess whether buy-in and buyout quotations offer value.
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Opinion
Why not all mastertrusts deserve the name
Trust and pensions are two words that have not always sat comfortably next to each other.