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Barnett Waddingham
0333 11 11 222

Rosie Fantom FIA CERA

Associate and Bulk Annuity Consultant

Rosie is an actuary, specialising in pension scheme de-risking, predominately focusing on the bulk annuity market.

Rosie’s first hand insurer experience allows her to provide advice on how to get the best from insurers. In particular, she understands the challenges insurers can face and so is well placed to find practical ways forwards. Having managed large, small, simple and complex transaction executions, her project management skills are exceptional meaning that she can help schemes and sponsors grasp opportunities when they arise and ultimately achieve their objectives.

She has helped a wide variety of schemes and sponsors complete bulk annuity transactions, with over 10 years’ experience in this space. She volunteers with the Institute and Faculty of Actuaries in different capacities, most recently chairing a series of pension conferences.


Significant experience

  • led execution and commercial negotiations on the £80m bulk annuity transaction described in Case Study 2
  • previously a Senior Manager at Scottish Widows where she was a founding member of their bulk annuity business, writing c£4
  • billion since 2015; this included transactions with high profile companies such as Hitachi, Barloworld and Greene King
  • pension scheme de-risking, insurance and regulatory services expertise
  • supervised bulk annuity insurers at the PRA and helped set up LCP’s streamlined bulk annuity offering
  • experienced in implementing Solvency II insurance regulation and helping stakeholders navigate complex pension projects

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