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Blog
Why retirement is looking bleak for future generations of pensioners
So, we now have our new flat-rate or single-tier state pension in place and up and running, available for all those reaching state pension age from 6 April this yea…
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Blog
4 - 2 - 3 the savings riddle
Damian Stancombe brushes up on the riddle of the Sphinx, looks at the new 'kid on the block' the Lifetime ISA and ponders why he feels he is falling out of love wit…
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Blog
Are you prepared for Solvency II Day 1 reporting?
With four weeks until Solvency II 'Day 1' reporting is due for solo entities, our discussions with some firms have indicated a lack of appreciation of the requireme…
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Blog
Matching Adjustment in practice – the PRA’s view
Just when life insurers were breathing a sigh of relief for getting over the MA hurdle, the PRA has released a draft supervisory statement explaining further aspect…
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Has Osborne given saving a new LISA life?
One of the Chancellor’s ‘rabbits from his hat’ in this year’s Budget was the Lifetime ISA. Will it serve to “strengthen the incentive to save” amongst the young, a…
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Constructive deterrence: will the FCA’s Business Plan result in better outcomes for customers?
In his introduction to the FCA’s Business Plan 2016/17, the Chairman uses the phrase “constructive deterrence” - this phrase may help insurers and distributors to …
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A switch from Scheme Reconciliation Service to Shared Workspace: something to worry about or a surprising benefit?
The end of contracting-out has finally come and gone. So what now? Well, schemes with changed benefit design may be cancelling their contracting-out certificate an…
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RIP contracting-out: gone but not forgotten
Chinese New Year, the Budget, the Six Nations, Easter and the Cricket T20 World Cup have all come and gone already in 2016. Something else that’s been with us for …
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Single-tier, flat-rate: a fresh start for the new state pension?
Although it seems to have been a long time in the making, as from today (6 April 2016) we now have the new state pension in force and up and running - it's proving …
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Partnership and Just Retirement merger: how will it impact the medically underwritten market?
Specialist medically underwritten bulk annuity providers, Partnership Assurance and Just Retirement, have confirmed that their proposed merger will go ahead in Apri…