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
What is self-sufficiency? It is certainly not a position of nil risk, as some assume, as that would mean passing the risk to someone else.
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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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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
Insuring members of a defined benefit scheme through a bulk annuity can appear expensive when compared with the value of liabilities on a scheme funding or an accounting basis.
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OpinionWhy the power of IGCs should not be underestimated
In August 2013, the Association of British Insurers wrote a letter to the Office of Fair Trading in light of a review of the pensions marketplace.
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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
Pension schemes funding positions are notoriously volatile and deficits have increased significantly over the last decade.
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Opinion
How to determine the value to your scheme of a buy-in/buyout contract
A bulk annuity contract is a financial transaction between the trustees of a pension scheme and an insurance company.
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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.
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FeaturesBBC diversifies with insurance-linked securities
The broadcaster's scheme said its 1% allocation to ILSs provided “genuine diversification” to equities last year but the market remains limited.