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    With more than 1,700 people in ten offices, we work to deliver on our values and our promise, ensuring the highest levels of trust, integrity and quality.

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    About us - Spotlight

    Five new partners appointed to support business growth

    Continuing our investment in talent and driving business growth across our core markets.

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    We are free from any external stakeholders, allowing us to take a long-term view with all our clients and giving us the freedom to bring fresh ideas to the table, unobstructed.

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    Risk - Spotlight

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    BW Risk Portal

    Access over 1,000 hours of risk management content, guidance and training, covering more than 20 risk management topics.

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    Pensions and benefits tools

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    Expertise - Spotlight

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    DB endgame planning

    We help trustees, employers and advisors buy into the same cohesive vision.

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    Bulk annuity provider services

    We offer a comprehensive set of knowledge and services to the BPA provider market.

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    Our investment philosophy

    Discover how we build robust investment portfolios and how we help our clients to implement them.

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    • Capital modelling (validateR)
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    • SCR calculator (SIIMPLIFY)
    Insurance technology Capital modelling (validateR) KIDs for PRIIPs SCR calculator (SIIMPLIFY)
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    Pensions and benefits

    • Benefits platform (4me)
    • DB technology (Illuminate)
    • DC technology (GEM)
    • LGPS online tools
    • LGPS training hub (Enlighten)
    • Pensions governance tool (BW CORE)
    • Pension self-service
    • SIPPs Online
    • Trustee analytics dashboard (Insight)
    Benefits platform (4me) DB technology (Illuminate) DC technology (GEM) LGPS online tools LGPS training hub (Enlighten) Pensions governance tool (BW CORE) Pension self-service SIPPs Online Trustee analytics dashboard (Insight)
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    Risk management

    • Risk Portal
    • Board evaluations (BoardClic)
    • Carbon emissions reporting (CARAT)
    • Pay gap reporting
    • Real-time decisions (Swarm AI)
    • Risk management software (Celestia Risk)
    Risk Portal Board evaluations (BoardClic) Carbon emissions reporting (CARAT) Pay gap reporting Real-time decisions (Swarm AI) Risk management software (Celestia Risk)
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    Expertise - Spotlight

    Take control of risk with confidence

    Our simple, powerful and automated solution for managing risk effectively.

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    Insights and events

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    Expertise - Spotlight

    DC in focus: Large DC Schemes Analysis 2025

    In a rapidly evolving pension landscape, our latest analysis highlights scale as an emerging theme.

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All insights

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  • Research

    CROs and actuaries: the transformative impact of AI and ML

    In partnership with the LMA, this report captures how insurance leaders view the rising impact of AI and ML - key opportunities, challenges, and what’s next.

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    Blog

    Profitable times: What now for UK insurers?

    The UK insurance market has turned a corner, but what should insurers do with their newfound profits?

  • A young person with glasses holds a tablet, focused on it. They are illuminated by blue light, possibly from a computer setup or digital environment in the background.

    Blog

    The reserving actuary: natural vs artificial intelligence (AI)

    Why human actuaries still have the upper hand over artificial intelligence (A) when it comes to the nuanced art of reserving in the insurance industry.

  • Two professionals engage collaboratively, one using a tablet to display information. They are in a modern, bright office space with an open layout and large windows.

    Case Study

    Applications of R in insurance: capital modelling

    Read our case study to understand how R can be used as both a parameterisation tool and as a component of the internal model.

  • A blue figure hangs from a yellow umbrella, suspended above a descending white line that represents a decline, set against a light teal background with soft shapes.

    Blog

    FCA business interruption test case: what can we learn?

    In this blog we consider the impact of the Financial Conduct Authority (FCA) test case on business interruption (BI) insurance.

  • Two hands hold a pair of binoculars, each lens displaying different graphs: one shows bar chart trends, and the other a circular diagram, against a soft purple background.

    Blog

    Covid-19 and predictive models: transitioning to a new normal

    Does your business rely on predictive models? If so, this blog will help you understand how you can keep your models relevant and effective during this period of ma…

  • A person stands on a large gear, holding a clipboard, while another gear, featuring a lightbulb, rotates nearby. The background is a soft purple gradient, enhancing a creative theme.

    Blog

    Covid-19: a 10-step guide to planning for insurers

    For insurance firms heavily impacted by Covid-19, the current year’s business plan needs to be put aside and an entire re-planning exercise take place from the grou…

  • A hand places a gold coin onto a scale, balancing against a pile of coins. A shield with a checkmark symbolizes security in a soft, teal background.

    Blog

    Covid-19 and insurance: pricing in a pandemic

    What does Covid-19 do to the world of pricing? There are numerous things to consider here and, unsurprisingly, not all are straightforward.

  • A hand holds a pointer on a gauge with red, orange, and green sections, indicating varying levels of response, against a soft blue background, suggesting a feedback or evaluation scenario.

    Blog

    Covid-19 – 7 steps to treating insurance customers fairly

    In this blog, another in our insurance Covid-19 series, we look at the actions that insurers can take now to help customers get through this difficult time and bett…

  • A blue folder with a yellow tab is displayed, featuring a large question mark symbol on its front. The background has a soft, muted turquoise color with smooth shapes.

    Blog

    Data democratisation: leveraging data to generate value

    Insurance companies are collecting more and more data through the proposal process, supplemented with data from public sources or industry databases. However, the e…

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