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How insurers are tackling the illiquid asset challenge James Fermont discusses how there has been a step-change in insurers’ engagement and willingness to take on illiquid assets from DB schemes —and why this trend is likely to continue. As UK defined benefit (DB) pension scheme funding levels rose significantly following the gilts crisis, many trustees found themselves in the unexpected, but welcome, position of being able to insure their liabilities in full many years ahead of plan. Posted in: Articles Posted on: Friday Feb 21

IPT receipts for 2024 to 2025 hits over GB7bn in January According to this morning’s HMRC data, Insurance Premium Tax (“IPT”) receipts stood at £853 million in January 2025, bringing the 10-month total for the 2024/25 financial year to a record £7.6 billion. The latest January tax haul stands at almost double the January 2024 total of £439 million and marks a 16% increase on the 10-month total of the prior tax year (£6.5 billion). Posted in: General Insurance Article Posted on: Friday Feb 21

Comments as IHT hit GBP7bn in last 10 months Just Group, Hargreaves Lansdown and Quilter comment as HMRC’s latest update on Inheritance Tax (“IHT”) receipts shows that £7.0 billion was collected through in the first 10 months of the 2024/25 Financial Year – an 11% increase on the £6.3 billion received in the same period in the previous year. Receipts totalled £639 million in January 2025, an increase of 15% on the £556 million collected in January 2024. Posted in: Investment - Articles Posted on: Friday Feb 21

TPRs oversight of largest DC schemes is evolving Master trusts, some of the UK’s biggest defined contribution (DC) schemes, will be supervised differently to identify market and saver risks sooner and enhance the pensions system. Posted in: Pensions - Articles Posted on: Thursday Feb 20

Mind the inflation gap Following a brief period of seven months where returns on cash ISAs beat inflation, they are back into negative territory, meaning savers lose money in real terms, according to new analysis from Quilter. Posted in: Investment - Articles Posted on: Thursday Feb 20

Solvency under scrutiny The topic of solvency has garnered significant attention recently, with the results of a Europe-wide stress test shedding light on insurers’ positions in the bloc; the publication of the UK’s new Solvency regime; and the launch of the Prudential Regulation Authority’s 2025 Life Insurance Stress Test (LIST). For the Europe-wide stress test, participating insurers from the European Economic Area (EEA) were assessed under a hypothetical scenario by the European Insurance and Occupational Pensions Authority (EIOPA) Posted in: Articles Posted on: Thursday Feb 20

Anthony Ellis appointed as Head of DC Investment Strategy Hymans Robertson has appointed Anthony Ellis as Head of DC Investment Strategy. The appointment of Anthony will further strengthen the DC investment team led by Alison Leslie. Posted in: Lifestyle Article Posted on: Thursday Feb 20

Unlocking the potential of IFRS17 insights and opportunities As mentioned in part one of this blog series, IFRS 17 has reshaped financial reporting for insurance contracts since its implementation on 1 January 2023. Part two of this series explores the impact of IFRS 17 on non-listed entities. Posted in: General Insurance Article Posted on: Thursday Feb 20

Ongoing confusion over IHT proposals and pension priorities Sacker & Partners LLP (Sackers), the UK’s leading specialist law firm for pensions and retirement savings, today announced the results of their most recent webinar survey. Its results show ongoing confusion in the industry around Inheritance Tax (IHT) proposals and 2025 priorities alongside some mixed views with the Government’s plans for DC. Posted in: Pensions - Articles Posted on: Wednesday Feb 19

Lack of expertise main barrier to AI adoption in insurance A lack of expertise within insurance companies is the biggest challenge to implementing artificial intelligence (AI) technology. As AI has the potential to transform the insurance industry, insurers must prioritize talent acquisition and upskilling efforts to build the necessary expertise for AI integration, according to a recent poll by GlobalData. Posted in: General Insurance Article Posted on: Wednesday Feb 19

Bitcoin is it currency a store of value or pure speculation Bitcoin has generated significant interest among investors, institutions, and governments worldwide. While some view it as a potential future currency, others regard it as primarily speculative. This article examines bitcoin’s potential use cases and assesses its long-term value. This article will address the following key questions: Can bitcoin become a globally adopted currency? Could bitcoin become a store of value? Is bitcoin’s price purely speculative? Should institutional investors consider bitcoin? Posted in: Articles Posted on: Wednesday Feb 19

Inflation rises to 3 percent Standard Life, Aegon AM, Hymans Robertson and Royal London comment as inflation rises to 3 percent Posted in: Investment - Articles Posted on: Wednesday Feb 19

Pension disengagement may cost you GBP500k in retirement Failing to actively engage with pensions during one’s working life could have a staggering financial impact, according to a new report from PensionBee. The findings suggest that ineffective investment strategies, inadequate contributions, and poor pension management could cost savers hundreds of thousands of pounds over their lifetimes. Posted in: Pensions - Articles Posted on: Wednesday Feb 19

Women still earning less than men The TUC has released new analysis into the gender pay gap in the UK. To add to the discussion, Jackie Leiper, Managing Director at Scottish Widows has provided a comment, linking the pay gap to the gender retirement gap and providing some actionable ways women can take to prepare themselves for post-work life. Posted in: Pensions - Articles Posted on: Tuesday Feb 18

Targeted Support reforms could spark investing revolution FCA reforms designed to ensure millions of savers and investors get more useful help with their finances could spark an investing revolution in the UK Posted in: Pensions - Articles Posted on: Tuesday Feb 18

DB Funding Code and Run on Pension Playpen video with Hymans Robertson's Laura McLaren and Graham Jones presentation on How the introduction of the Funding Code and run-on debate are impacting approached to funding. Posted in: Articles Posted on: Tuesday Feb 18

Millennials are the generation most concerned about finances Two-thirds (66%) of Millennials worry they aren’t saving enough for retirement. Millennials also fear short-term financial pressure with over half (53%) anxious about interest rates. It’s not too late – increasing contributions by just 2% at 35 could lead to £36k more in retirement Posted in: Pensions - Articles Posted on: Tuesday Feb 18

Influential 2025 trends for Property and Casualty insurance As we enter 2025, the property and casualty (P&C) insurance sector finds itself at a critical crossroads. Mounting challenges, such as climate-driven catastrophes including the devastating Los Angeles wildfires and rapidly evolving customer expectations, are pushing the sector to adapt quickly. At the same time, breakthrough technologies like generative AI (Gen AI) and advanced risk modelling are redefining how insurers assess, price, and mitigate risk. Posted in: Articles Posted on: Tuesday Feb 18

Will US push back on ESG and climate spill over XPS Group recently held their 2025 fund manager conference last week with over 100 fund managers represented. Of the 90 attendees who responded to a poll, over half (52.2%) of fund managers expect the US push back on ESG and climate change initiatives to spill over to European markets. Posted in: Investment - Articles Posted on: Tuesday Feb 18

Quoted car insurance premiums falling at a record rate Average quoted premiums drop by 6.0% in past three months – the biggest fall on record – and by 8.8% in the past year. In January, motorists most commonly received a quote between £250 and £499, Consumer Intelligence data shows. Posted in: General Insurance Article Posted on: Tuesday Feb 18

Time travellers would tell younger selves to save earlier The latest Financial Priorities survey by Aegon has unveiled significant insights into the advice UK adults would give to their younger selves, with the results highlighting the importance of early saving and future planning. Half of respondents would tell their younger selves to ‘Start saving as early as possible’ (48%). When asked to pick topics people wish they’d learned more about at a younger age, ‘Retirement planning’ came second (17%), behind only ‘Investing and growing wealth’ (22%). Posted in: Pensions - Articles Posted on: Tuesday Feb 18

Kathryn Fleming announced as Head of DC Consulting Hymans Robertson has announced the appointment of Kathryn Fleming as Head of DC Consulting from April 2025. In this role, Kathryn will lead her dynamic team of experts to help our clients navigate the ever-changing pensions landscape, using innovation to deliver better value and financial futures for UK DC savers. She takes on the role from Mark Jaffray who will now be focusing on strategic investment advice and innovation. Posted in: Lifestyle Article Posted on: Monday Feb 17

What you can expect from TPR this year The pensions landscape is rapidly changing towards one of fewer, larger schemes with new products and services being offered every day. Our mission is to protect, enhance and innovate in savers’ interests so that all savers – from every walk of life – can get good retirement outcomes from pensions. Posted in: Pensions - Articles Posted on: Monday Feb 17

Key actions for Trustees under TPRs new funding regime In December 2024, The Pensions Regulator (“TPR”) issued its long-awaited update to its covenant guidance. This update provides insights into TPR’s expectations on how covenant assessments should be undertaken to comply with the new funding regime.As covenant advisers we’ve spent a while getting into the technical aspects of the covenant approaches required in the new regime. Posted in: Articles Posted on: Monday Feb 17

New data reveals gender disparity in life expectancy Half of men celebrating their 65th birthdays this year are expected to live for nearly 21 more years while half of women reaching 65 are expected to live more than 24 years, latest official life expectancy statistics reveal. Posted in: Life - Articles Posted on: Monday Feb 17

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