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Mortality Reviews
People are living longer and longer and these improvements in life expectancy are predicted to continue for the foreseeable future - pushing up the liabilities of pension schemes. As more studies are made into life expectancy, it is increasingly clear that it can vary significantly by occupation or location, meaning that what is sensible, prudent life expectancy assumption for one pension scheme may be overly prudent for another.
Barnett Waddingham's extensive experience in analysing mortality means that we are able to carry out a review of a scheme's population to comment on the prudence or otherwise of a particular mortality assumption. Such a mortality review would be of particular use to an employer when:
- discussing the contributions required to a scheme with the trustees
- negotiating the pensions aspects of a sale or purchase
- looking for the best terms from an insurer on a bulk annuity purchase.