What is aggregation and how does it work

Continuing our popular series of ‘De-mystifying Insurance’, today we focus on aggregation. So what is aggregation? What impact can it have on claims, and does it have wider implications for Insureds when seeking to aggregate matters in order to maximise recovery under a claims made policy? Put in simple terms, aggregation is a contractual mechanism under an insurance policy that allows for consolidation of multiple claims where a unifying factor can be identified, such that they are treated as one claim.

Strengthening financial capability and inclusion for all

Financial inclusion and capability must go hand in hand. People need knowledge, confidence and support to make informed decisions. There is a gap between access to financial services and the public’s ability to use them effectively. The FCA cannot solve these issues by itself – coordinated action and collaboration is essential to ensure support reaches those who need it most. This is a pivotal moment for financial inclusion and capability. When they are mismatched, it creates points of vulnerability when small decisions carry big consequences.

Workplace pensions and a new chapter for DC schemes

What changes are underway, and what do they mean for employers and pension scheme members? The UK government has described 2030 as the “watershed date” for its future vision of the defined contribution (DC) pension market to be in place. In the “Roadmap for workplace pensions” issued in June 2025; the government outlined a timeline for implementing a wide range of reforms designed to achieve this vision.

Everything MGAs need to know about Cyber Risk

Lifestyle Actuary

Dalriada Trustees Limited (Dalriada), one of the largest providers of professional trustee services to pensions schemes in the UK, has today announced the appointment of Sarah Brough as a professional trustee.

Lights Camera Actuary

For the next few months Zoe Bolton will be talking to the senior actuaries in these firms, getting a brief insight into their career paths and visions for the future. This month Zoe interviews Shil Patel the UK Managing Director at Dynamo Analytics

Travelling Actuary

This month's Travelling Actuary takes us to the iconic Boston to experience New England at it’s very best.

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