| Working Paper 158 | Mortality experience of pensioners for the period 2013 to 2020 (Issue date: 24/11/2021) |
| Working Paper 157 | Plans for CMI_2021 (Issue date: 23/11/2021) |
| Working Paper 156 | Working paper 156: Impact of COVID-19 on Income Protection business – qualitative analysis (Issue date: 12/11/2021) |
| Working Paper 155 | Mortality experience of enhanced annuities in 2011-2019 and indicative analysis of experience to 30 June 2020 (Issue date: 15/10/2021) |
| Working Paper 154 | Final “16” Series term assurance mortality and accelerated critical illness tables (Issue Date: 31/08/2021) |
| Working Paper 153 |
CMI Model benchmarking survey results (Issue date: 30/06/2021) |
| Working Paper 152 |
“All offices” experience of term assurances for 2015-2018 and 2019 plus indicative analysis of experience to mid-2020 (Issue date: 29/06/2021) |
| Working Paper 151 |
Accelerated critical illness experience by cause of claim, 2015-2018 (Issue Date: 11/06/2021) |
| Working Paper 150 |
Proposed “16” Series term assurance mortality and accelerated critical illness tables (Issue Date: 30/04/2021; Response date: 30/06/2021) |
| Working Paper 149 | Changes to analysis methodology for the CMI Income Protection Investigation and the impact of past data issues (Issue date: 28/4/2021) |
| Working Paper 148 | Additional analysis of the experience of pension annuities in payment in 2015-2020 (Issue date:16/04/2021) |
| Working Paper 147 | CMI Mortality Projections Model: CMI_2020 (Issue date: 04/03/2021) |
| Working Paper 146 | Mortality experience of pensioners by region and Index of Multiple Deprivation (Issue date: 25/02/2021) |
| Working Paper 145 |
“All offices” experience of pension annuities in payment, 2016-2019 (Issue date: 23/12/2020) |
| Working Paper 144 |
CMI Mortality Projections Model – Interim update (v01 issue date: 14/12/2020, v02 issue date: 24/02/2021) |
| Working Paper 143 |
Results of the CMI_2020 consultation (Issue date: 14/12/2020) |
| Working Paper 142 | Mortality experience of pensioners for the period 2012 to 2019 (Issue date: 30/11/2020) |
| Working Paper 141 | Calibration of the CMI Model for Ireland (Issue date: 13/10/2020) |
| Working Paper 140 |
Indicative analysis of pensioner annuitant mortality to 30 June 2020 (Issue date: 09/10/2020) |
| Working Paper 139 |
Considerations relating to COVID-19 for mortality and morbidity assumptions (Issue date: 05/10/2020; Response date: 01/11/2020) |
| Working Paper 138 |
Experience of pension annuities in payment with IMD fields, 2015-2018 (Issue date: 25/09/2020) |
| Working Paper 137 | CMI_2020 consultation (Issue date: 21/09/2020) |
| Working Paper 136 |
Final “IP11” claim inception and termination rates for individual income protection (Issue date: 07/9/2020, v03 issue date: 28/4/2021) |
| Working Paper 135 |
Results of the Subscriber survey and the Committee’s future plans (Issue date: 27/07/2020) |
| Working Paper 134 | Final “16” Series pension annuities in payment mortality tables (Issue date: 10/07/2020) |
| Working Paper 133 | “All offices” experience of life annuities, 2013-2018 (Issue date: 12/06/2020) |
| Working Paper 132 | “All offices” experience of term assurances, 2015-2018 (Issue date: 07/05/2020; v02 issue date: 29/04/2021; v03 issue date: 29/06/2021) |
| Proposed “IP11” claim inception and termination rates for individual income protection (Issue date: 29/4/2020, v03 issue date: 28/4/2021; Response date: 30/6/2020) | |
| Working Paper 130 |
Proposed “16” Series pension annuities in payment mortality tables (Issue date: 16/04/2020; Response date 29/05/2020) |
| Working Paper 129 | CMI Mortality Projections Model: CMI_2019 (Issue date: 02/03/2020) |
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“All offices” experience of pension annuities in payment, 2015-2018 (Issue date: 17/12/2019) |
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| Working Paper 127 | CMI Mortality Projections Model – Interim update (v01 issue date: 13/12/2019, v02 issue date: 28/01/2020, v03 issue date: 14/12/2020) |
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Mortality experience of pensioners for the period 2011 to 2018 (Issue date: 28/11/2019) |
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| Working Paper 125 |
Additional analysis of the experience of term assurances, 2011-2016 (Issue date: 15/11/2019) |
| Working Paper 124 |
“All offices” individual Income Protection sickness experience for 2011-2016 (Issue date: 30/9/2019, v03 issue date: 28/4/2021) |
| Working Paper 123 |
"All offices” experience of term assurances, 2011-2016 (v01: issue date: 18/07/2019; v02 issue date: 07/05/2020) |
| Working Paper 122 |
Final report of the High Age Mortality Working Party |
| Working Paper 121 |
Mortality experience of pensioners by industry classification for the period 2010 to 2017 (Issue date: 31/05/2019) |
| Working Paper 120 |
Final “IP06” claim inception rates for individual income protection (Issue date: 27/3/2019) |
| Working Paper 119 | CMI Mortality Projections Model: CMI_2018 (v01 issue date: 07/03/2019; v02 issue date: 02/04/2019) |
| Working Paper 118 | Mortality experience of pensioners for the period 2010 to 2017 (Issue date: 28/02/2019) |
| Working Paper 117 |
"All offices" experience of pension annuities in payment, 2011-2016 (v01 issue date: 31/01/2019; v02 issue date 14/08/2019) |
| Working Paper 116 | The value of the period smoothing parameter, Sk1, in CMI_2018 (Issue date: 01/02/2019) |
| Working Paper 115 |
CMI Mortality Projections Model – Interim update (v01 issue date: 19/12/2018; v02 issue date 07/03/2019) |
| Working Paper 114 |
Consultation on the value of the period smoothing parameter, Sk (Issue date: 07/12/2018; response date: 18/01/2019) |
| Working Paper 113 | Final “S3” Series mortality tables (Issue date: 05/12/2018) |
| Working Paper 112 | Additional analyses of the experience of pension annuities in payment, 2011-2014 (Issue date: 02/11/2018; Reissue date: 01/02/2019) |
| Working Paper 111 |
Regular monitoring of England & Wales population mortality (Issue date: 23/10/2018; Response date: 30/11/2018) |
| Working Paper 110 |
Using the CMI Mortality Projections Model for assured lives (Issue date: 04/10/2018; Response date: 31/12/2018) |
| Working Paper 109 | Proposed “IP06” claim inception rates for individual income protection (Issue date:11/07/2018; Response date: 30/09/2018) |
| Working Paper 108 |
Interim “all offices” experience of term assurances, 2011-2015 (v01 issue date: 08/06/2018; v02 issue date: 07/05/2020; Response date: 12/07/2018). |
| Working Paper 107 | Proposed graduations of the CMI SAPS 2009-2016 mortality experience based on data collected by 30 June 2017. (Issue date: 05/06/2018; Response date: 14/09/2018). |
| Working Paper 106 |
A proposed approach to closing off CMI mortality tables. (Issue date: 05/06/2018; Response date: 14/09/2018) |
| Working Paper 105 | CMI Mortality Projections Model: CMI_2017 (v01 issue date: 01/03/2018; v02 issue date: 08/05/2018) |
| Working Paper 104 |
Mortality experience of pensioners for the period 2009 to 2016 (Issue date: 19/01/2018) |
| Working Paper 103 | CMI Mortality Projections Model – Mid-year update (Issue date: 08/11/2017) |
| Working Paper 102 | Income Protection experience by benefit amount band and policy duration, 2003-2010 (Issue date: 25/08/2017) |
| Working Paper 101 | “All offices” experience of pension annuities in payment, 2011-2014 (Issue date: 27/07/2017; Reissue date: 01/02/2019) |
| Working Paper 100 | A second report on high age mortality (Issue date: 30/06/2017) |
| Working Paper 99 |
CMI Mortality Projections Model: Software user guide (v01 issue date: 27/03/2017; v02 issue date: 08/11/2017) |
| Working Paper 98 | CMI Mortality Projections Model: Methods (Issue date: 27/03/2017) |
| Working Paper 97 |
CMI Mortality Projections Model: CMI_2016 (v01 issue date: 27/03/2017; v02 issue date: 08/11/2017) |
| Working Paper 96 | “All offices” individual Income Protection sickness experience for the 2007-2010 quadrennium (Issue date: 17/03/2017) |
| Working Paper 95 | Mortality experience of pensioners for the period 2008 to 2015 (Issue date: 22/02/2017) |
| Working Paper 94 | Final "08" Series of accelerated critical illness and term mortality tables (Issue date: 27/01/2017) |
| Working Paper 93 | CMI Mortality Projections Model: Consultation responses and plans for CMI_2016 (Issue date: 29/11/2016; Reissued: 02/12/2016) |
| Working Paper 92 | Proposed “08” Series term mortality tables (Issue date: 07/10/2016; Response date: 30/11/2016 |
| Working Paper 91 | CMI Mortality Projections Model consultation - technical paper. (Issue date: 31/08/2016) |
| Working Paper 90 | CMI Mortality Projections Model consultation. (Issue date: 22/06/2016; Reissued 31/08/2016; Response date: 30/09/2016) |
| Working Paper 89 | Proposed “08” Series accelerated critical illness tables (Issue date: 06/05/2016; Reissued: 07/10/2016; Response date: 30/11/2016) |
| Working Paper 88 | Mortality experience of pensioners for the period 2007 to 2014 (Issue date: 24/02/2016) |
| Working Paper 87 | Mortality experience of enhanced annuities in 2007-2010 (Issue date: 17/12/2015; Response date: N/A) |
| Working Paper 86 | An investigation into the mortality experience by industry classification of pensioners of self-administered pension schemes (Issue date: 18/11/2015; Response date: N/A) |
| Working Paper 85 | Working Paper 85: Initial report on the features of high age mortality (Issue date 16/10/2015) |
| Working Paper 84 | The CMI Mortality Projections Model, CMI_2015 (Issue date 28/09/2015) |
| Working Paper 83 | Recent mortality in England and Wales (Issue date 28/09/2015. Reissued 06/10/2015) |
| The CMI format for heatmaps of mortality improvements. (Issue date 28/09/2015) | |
| Working Paper 81 | Final '08' Series annuities tables (Issue date 30/06/2015) |
| The release dates of future updates to the CMI Mortality Projections Model (issue date: 26/06/2015) | |
| Working Paper 79 | Consultation on the release date of future updates to the CMI Mortality Projections Model. (Issue date: 16/03/2015; Response date: 16/04/2015) |
| Proposed '08' Series annuities tables (Issue date: 06/03/2015; Response date: 10/04/2015) | |
| Report of the Graduation and Modelling Working Party (Issue date 06/03/2015) | |
| Working Paper 76 | Analysis of the mortality experience of pensioners of self-administered pension schemes for the period 2006-2013 based on data collected by 30 June 2014. (Issue date: 19/12/2014; Reissued: 22/01/2016; Response date: N/A) |
| All-Offices Mortality and Critical Illness Experience for the 2007-2010 Quadrennium (Issue date: 03/12/2014; Reissued: 01/02/2016) | |
| The CMI Mortality Projections Model, CMI_2014 (Issue date: 24/11/2014; Response date: N/A) | |
| Working Paper 73 | Analysis of the mortality experience of pensioners of self-administered pension schemes for the period 2005-2012 based on data collected by 30 June 2013. (Issue date: 24/07/2014) |
| Analysis of individual income protection experience, 1991-2009, by cause of sickness. (Issue date: 17/04/2014; Response Date: N/A) | |
| Working Paper 71 | Graduations of the CMI SAPS 2004-2011 mortality experience based on data collected by 30 June 2012 - Final "S2" Series of Mortality Tables. (Issue date: 07/02/2014) |
| The All Offices annuity experience for the 2007-2010 quadrennium (Issue date: 18/10/2013; Response date: N/A) | |
| Working Paper 69 | The CMI Mortality Projections Model, CMI_2013, and feedback on the consultation on the future of the CMI Library of Mortality Projections and the CMI Mortality Projections Model. (Issue date: 13/09/2013; Response date: N/A) |
| Notes on statistical modelling of mortality and morbidity experience data (Issue date: 09/07/2013) | |
| Working Paper 67 | A revised approach for analysing CMI critical illness experience and restated results for accelerated business, 2003-2006 (Issue date: 10/05/2013) |
| Working Paper 66 | Proposed graduations of the CMI SAPS 2004-2011 mortality experience based on data collected by 30 June 2012. (Issue date: 23/04/2013; Response date: 31/05/2013) |
| Working Paper 65 | Analysis of the mortality experience of pensioners of self-administered pension schemes for the period 2004-2011. (Issue date: 23/04/2013) |
| Working Paper 64 | Consultation on the future of the CMI Library of Mortality Projections and the CMI Mortality Projections Model (Issue date: 12/4/2013; Response date: 31/05/2013) |
| The CMI Mortality Projections Model, CMI_2012 (Issue date: 08/02/2013; Response date: N/A) | |
| Working Paper 62 | Report on the preliminary results of an analysis into the mortality experience of pensioners of self-administered pension schemes for the period 2003-2010 based on data collected by 30 June 2011 (Issue date: 25/05/2012) |
| Working Paper 61 | An investigation into the mortality experience by industry classification of pensioners of self-administered pension schemes (Issue date: 10/05/2012) |
| Working paper 60 | Sickness experience for individual income protection policies: experience for 2003-2006 compared with 1991-2002; results for 1991-2006 re-stated using IPM 1991-98 as the comparison basis (Issue date: 17/02/2012) |
| Working paper 59 | Reporting sickness experience for the CMI individual income protection investigation: summary statement of revised methodology; description of updated format of results tables; and analysis of change in methodology and comparison basis (Issue date: 17/02/2012) |
| Supplementary analyses to CMI critical illness diagnosis rates for accelerated business, 2003-2006 | |
| CMI life office mortality 'per policy' results: consultation on the future format of results (Issue date: 30/9/2011; Response date: 30/11/2011) | |
| CMI life office mortality 'per policy' results: the initial methodology and format (Issue date: 30/9/2011) | |
| The CMI Mortality Projections Model, CMI_2011 (Issue date: 16/09/2011) | |
| Advancing the release date of the CMI Mortality Projections Model (Issue date: 04/08/2011; Response date: 09/09/2011) | |
| An initial investigation into rates of mortality improvement for pensioners of self-administered pension schemes (Issue date: 22/07/2011) | |
| Cause-specific CMI critical illness diagnosis rates for accelerated business, 2003-2006 (Issue date: 15/06/2011) | |
| Report on the preliminary results of an analysis into the mortality experience of pensioners of self-administered pension schemes for the period 2002-2009 based on data collected by 30 June 2010 (Issue date: 20/05/2011) | |
| CMI critical illness diagnosis rates for accelerated business 2003-2006 (Issue date: 24/01/2011) | |
| The CMI Mortality Projections Model, 'CMI_2010' (Issue date: 23/11/2010; Response date: n/a) | |
| An overview of the sickness inception and termination rate graduations (Issue date: 30/07/2010) | |
| Working paper 47 | The graduation of sickness rates for the CMI individual income protection experience for males 1991-98 of males, occupational class 1 (Issue date: 30/07/2010) |
| Background papers on the analysis of CMI individual income protection claim records (Issue date: 30/07/2010) | |
| Consultation on the proposed methodology for the analysis of CMI 'per-policy' mortality data (Issue date: 30/04/2010) | |
| Working paper 44 | Report on the preliminary results of an analysis into the mortality experience of pensioners of self-administered pension schemes for the period 2001-2008 based on data collected by 30 June 2009 (Issue date: 01/04/2010) |
| CMI critical illness diagnosis rates for accelerated business 1999-2004 (Issue date: 12/02/2010) | |
| CMI life office mortality experience 2003-2006 (Issue date: 10/12/2009) | |
| CMI Mortality Projections Model - feedback on consultation and issue of 'CMI_2009' (Issue date: 25/11/2009) | |
| Changes to the coding guide for CMI per-policy data (Issue date: 17/08/2009) | |
| A prototype mortality projections model: Part two - a detailed analysis (Issue date: 7/07/2009) | |
| A prototype mortality projections model: Part one - an outline of the proposed approach (Issue date: 19/06/2009) | |
| Version 1.1 of the CMI library of mortality projections (Issue date: 13/03/2009) | |
| Working paper 36 | The mortality of impaired assured lives: Report on 1995-2006 experience and consultation on the future of the investigation (Issue date: 14/01/2009) |
| Working paper 35 | The graduations of the CMI self-administered pension schemes 2000-2006 mortality experience: Final "S1" series of mortality tables (Issue date: 31/10/2008) |
| Working paper 34 | Methodology and assumptions used for CMI self-administered pension schemes mortality experience analyses (Issue date: 31/10/2008) |
| A new methodology for analysing CMI critical illness experience (Issue date: 23/07/2008) | |
| Working papers 31 and 32 | Analysis and proposed graduations of the CMI SAPS 2000-2006 mortality experience based on data collected to 30 June 2007 (Issue date: 08/01/2008) |
| Working paper 30 and the Library of mortality projections | The CMI Library of mortality projections (Issue date: 23/11/2007) |
| Working paper 29 | An analysis of the results of the mortality of male and female pensioners of self-administered pension schemes for the period 2000 to 2004 based on data collected by 30 June 2006 (Issue date: 01/10/2007) |
| Progress towards an improved methodology for analysing CMI critical illness experience (Issue date: 27/07/2007) | |
| The "library" of mortality projections (Issue date: 11/07/2007) | |
| Extensions to younger ages of the "00" series pensioner tables of mortality (Issue date: 20/04/2007) | |
| Stochastic projection methodologies: Lee-Carter model features, example results and implications (Issue date: 03/04/2007) | |
| Sickness experience 1999-2002 for group income protection policies (Issue date: 13/12/2006) | |
| Analysis of individual income protection experience by cause of disability (Issue date: 09/08/2006) | |
| The graduation of the CMI 1999-2002 mortality experience: final "00" series mortality tables (Issue date: 01/08/2006) | |
| Working paper 20 | Stochastic projection methodologies: further progress and P-Spline model features, example results and implication (Issue date: 05/04/2006) |
| Per-policy data submission (Issue date: 21/12/2005) | |
| 1999-2002 critical illness experience: feedback on Working paper 14 and future work (Issue date: 01/12/2005) | |
| Working paper 17 |
Report on the preliminary results of an analysis into the mortality experience of pensioners of self-administered pension schemes for the period 2000 to 2003 (Issue date: 11/10/2005) |
| The graduation of the CMI 1999-2002 mortality experience: proposed annuitant and pensioner graduations (Issue date: 28/09/2005) | |
| Projecting future mortality: towards a proposal for a stochastic methodology (Issue date: 20/07/2005) | |
| Methodology underlying the 1999-2002 CMI critical illness experience investigation (Issue date: 05/05/2005) | |
| Draft mortality investigation coding guide (Issue date: 27/04/2005) | |
| Working paper 12 | The graduation of the CMI 1999-2002 mortality experience: feedback on Working paper 8 and proposed assured lives graduations (Issue date: 11/04/2005) |
| Responses to Working Paper 3 (Issue date: 26/01/2005) | |
| The mortality of impaired assured lives, 1991-2002 (Issue date: 08/11/2004) | |
| Working paper 9 | An analysis of the preliminary results of the mortality of male pensioners of self-administered pension schemes for the period 2000 to 2002 as reported in Working paper 4. (Issue date: 17/11/2004) |
| Considerations for the graduation of the 1999-2002 mortality experience (Issue date: 20/08/2004) | |
| New graduations of income protection termination experience (Issue date: 07/05/2004) | |
| Working paper 4 | Report on the preliminary results of an analysis into the mortality experience of pensioners of self-administered pension schemes for the period 2000 to 2002 (Issue date: 17/03/2004) |
| Projecting future mortality: a discussion paper (Issue date: 12/03/2004) | |
| Working paper 2 | Responses to the draft report entitled A proposed interim basis for adjusting the 92 series mortality projections for cohort effects and further commentary thereon. (Issue date: 10/12/2002) |
| An interim basis for adjusting the 92 series mortality projections for cohort effects. (Issue date: 10/12/2002) |
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Events calendar
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The Growth Mindset for Actuaries
13 October 2021 - 8 December 2021This practical course is aimed at actuaries at any stage of their career who want to develop their own growth mindset and apply it to their work setting and personal or professional lifelong learning. The content of the course builds on the lecture given by Dr Helen Wright on Growth Mindset as part of the President’s 2021 Lecture series, and will be delivered over a period of 2 months, from mid-October to early December.
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Pioneering Roles for Actuaries in Health and Care
29 November 2021
The role of actuaries within the health sector varies considerably from one country to another, due to differences in the local evolution of health systems and the funding models for health services. -
This paper outlines key frameworks for reserving validation and techniques employed. Many companies lack an embedded reserve validation framework and validation is viewed as piecemeal and unstructured. The paper outlines a case study demonstrating how successful machine learning techniques will become and then goes on to discuss implications. The paper explores common validation approaches and their role in enhancing governance and confidence.
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What next for Mental Health in Insurance?
1 December 2021Content will be aimed at all actuaries looking to understand the issues surrounding mental health in insurance and in particular those looking to ensure products and processes widen access for, and are most useful to, those experiencing periods of poor mental health.
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Pensions Winter Forum: Practical aspects of blending annuities and drawdown in retirement
1 December 2021
The IFoA Policy Briefing 'Can we help consumers avoid running out of money in retirement' examined the benefits of blending a lifetime annuity with income drawdown. Panellists, including providers and advisers, will look at the market practicalities of taking the actuarial theory through into the core advice propositions used by IFAs and Fund Managers. They will share a number of practical issues such as investment consequences before and after retirement and the level of annuity that is appropriate and answer questions from the audience. -
Speech from the Governor of the Bank of England, Andrew Bailey
Lincoln's Inn The Treasury Office, London WC2A 3TL1 December 2021
The IFoA is pleased to be hosting the Governor of the Bank of England, Andrew Bailey, to deliver a speech on delivering policyholder protection in insurance regulation.
The speech will be presented to an in-person audience, and simultaneously live-streamed, at 14.00 on Wednesday 1st December.
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The Many Faces of Bias
2 December 2021
This webinar looks at the many types of biases, both conscious and unconscious and the impacts they can have in the workplace. Raising our own awareness and understanding of the issues can help us avoid the pitfalls of unconscious bias in particular. We’ve all heard the phrase ‘office banter’ but are we sure that’s how those on the receiving end perceive it and is it ok to go along with it? -
Actuaries need to take action now - but how? With a focus on climate change, this session will provide informed insight to enable you to improve your knowledge and understanding of the issues involved, demonstrate how it will impact advice to your clients, and highlight prospective opportunities for actuaries within pensions and wider fields. -
Pensions Winter Forum: Pension Scams
8 December 2021
Pension scams have become more prevalent as a result of the pandemic, and Trustees have increased responsibilities to protect members, which means that actuaries need to be in a position to provide advice in this area. Our specialist panel will include a professional trustee, an IFA and head administrator, two of whom are members of PASA. -
Sessional Meeting: Allowing for shocks in portfolio mortality models
15 December 2021The covid-19 pandemic creates a challenge for actuaries analysing experience data that includes mortality shocks. To address this we present a methodology for modelling portfolio mortality data that offers local flexibility in the time dimension. The approach permits the identification of seasonal variation, mortality shocks and late-reported deaths. The methodology also allows actuaries to measure portfolio-specific mortality improvements. Results are given for a mature annuity portfolio in the UK
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The Brian Hey Prize 2021 - LocalGLMnet: interpretable deep learning for tabular data
15 December 2021In this webinar, the authors of the 2021 Brian Hey prize winning paper present a new deep learning model called the LocalGLMnet. While deep learning models lead to very competitive regression models, often outperforming classical statistical models such as generalized linear models, the disadvantage is that deep learning solutions are difficult to interpret and explain, and variable selection is not easily possible.
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The dominant underwriting approach is a mix between rule-based engines and traditional underwriting. Applications are first assessed by automated rule-based engines which typically are capable of processing only simple applications. The remaining applications are reviewed by underwriters or referred to the reinsurers. This research aims to construct predictive machine learning models for complicated applications that cannot be processed by rule-based engines.
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Pensions Winter Forum: How to win the pensions endgame
19 January 2022
With the Pension Schemes Act 2021 requiring a long term strategy from Trustees and sponsors, choosing a pensions endgame strategy has become even more critical. However, it is important that the endgame options available are adequately assessed before choosing one. With an ever-increasing array of creative and innovative options available, this decision may not be straightforward.
The role of actuaries within the health sector varies considerably from one country to another, due to differences in the local evolution of health systems and the funding models for health services. 
The IFoA Policy Briefing 'Can we help consumers avoid running out of money in retirement' examined the benefits of blending a lifetime annuity with income drawdown. Panellists, including providers and advisers, will look at the market practicalities of taking the actuarial theory through into the core advice propositions used by IFAs and Fund Managers. They will share a number of practical issues such as investment consequences before and after retirement and the level of annuity that is appropriate and answer questions from the audience.
This webinar looks at the many types of biases, both conscious and unconscious and the impacts they can have in the workplace. Raising our own awareness and understanding of the issues can help us avoid the pitfalls of unconscious bias in particular. We’ve all heard the phrase ‘office banter’ but are we sure that’s how those on the receiving end perceive it and is it ok to go along with it?
Actuaries need to take action now - but how? With a focus on climate change, this session will provide informed insight to enable you to improve your knowledge and understanding of the issues involved, demonstrate how it will impact advice to your clients, and highlight prospective opportunities for actuaries within pensions and wider fields.
Pension scams have become more prevalent as a result of the pandemic, and Trustees have increased responsibilities to protect members, which means that actuaries need to be in a position to provide advice in this area. Our specialist panel will include a professional trustee, an IFA and head administrator, two of whom are members of PASA.
With the Pension Schemes Act 2021 requiring a long term strategy from Trustees and sponsors, choosing a pensions endgame strategy has become even more critical. However, it is important that the endgame options available are adequately assessed before choosing one. With an ever-increasing array of creative and innovative options available, this decision may not be straightforward.