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Barnett Waddingham
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Blog: Unit-linked services

Simply the best . . . estimate

As Solvency II regulations settle and 2016 year end approaches, insurers have the chance to draw breath and take pride in the past few years work. But do the assumptions reflect reality and are the processes in place sufficiently robust and objective?

Larger with-profits funds generate greater ROI than their smaller rivals

Our annual report on with-profits investment performance and strategy contains information on one-year returns over 2015 and trends in asset allocations. This blog focusses on the three-year performance figures to best judge funds on their performance.

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 understand the overall philosophy of the FCA but will it lead to better customer outcomes?

Equity release mortgages: taming the super-asset?

Scott Eason and Michael Henderson explore the potential implications of the PRA’s announcement to undertake a review of Equity Release Mortgages.

Standard Formula Calculations made simple

With the Solvency II implementation date looming, firms must make sure their processes are ready to meet the requirements. We explore how a standard formula Solvency Capital Requirement calculation tool can be made as simple as possible for the end user.

Fined! For failing to observe PRA rules

Further to last year’s consultation, the PRA has now introduced measures that may lead to financial penalties on actuaries that fail to observe PRA rules or the requirement to 'whistleblow' under FSMA.

2016 – is bigger better?

Scott Eason and David Gulland take a look back at what was a very busy 2015 for life sector M&A and consider potential market movements in 2016.

PRA view on look-through reporting brings some Christmas cheer

With firms still working on Solvency II reporting requirements, the PRA sets out its expectations with regards to reporting of look-through information.

Climate change - the impact on insurance

On 29 September 2015 Mark Carney, Governor of the Bank of England, gave a speech at this year’s City Dinner in the Lloyd’s building. He discussed the ways in which climate change is likely to affect the insurance sector.

Unit-linked business – it just keeps getting harder

In removing the need to match the face value of the unit-linked liabilities, Solvency II threatens to change the straight forward nature of unit-linked business. There is now a need to make decision on investment strategy and risk mitigation.

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