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Equity Release Mortgages: No Negative Equity Guarantee

ARCABI

The Institute and Faculty of Actuaries (IFoA) and the Association of British Insurers (ABI), through the Actuarial Research Centre (ARC), commissioned a research project on Equity Release Mortgages: No Negative Equity Guarantee. The research was delivered by the University of Kent, led by Professor Radu Tunaru (Senior Researcher).

Project Summary

The high level objective of this commissioned research was to determine appropriate methods for determining ERM cashflows and their value. Additional detail on the objectives set out in the call for tender can be found here.
 

Review Group 

On behalf of the ABI and the IFoA (and its relevant Governance structures), a joint project Review Group was established to oversee the delivery of this jointly commissioned, independent research project.
 
The Review Group ensured the project delivered output that was of high quality and was in line with expectations, producing findings that were relevant to the actuarial community and other key stakeholder groups.
 
The Review Group reported into the IFoA’s Research and Thought Leadership Board.
 
 

Research Results Launch Event

A research results launch event took place on Thursday 28 February at Staple Inn Hall, London. The event  brought together a multidisciplinary group of professionals to discuss Professor Radu Tunaru’s research findings.

The event was recorded and is available to watch on the IFoA’s Virtual Leaning Environment (VLE) and IFoA’s YouTube channel

The final research report is available to view. 

Filter or search events

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Events calendar

  • India Town Hall

    Webinar
    28 January 2021

    Spaces available

    IFoA Immediate Past President John Taylor would like to invite you to the Institute and Faculty of Actuaries’ (IFoA) virtual India Town Hall 2021, hosted by John Taylor with IFoA Council Member Mahidhara Davangere and IFoA Chief Executive, Stephen Mann. 

  • Spaces available

    What are the options for the world economy looking ahead?

    In this Thought Leadership Lecture, Economist, Vicky Pryce, will be discussing world economic trends, including the differences in geographical performance and how output is recovering and where.

  • Spaces available

    Trust and Leadership for Actuaries

    Led by Dr. Jim Baxter, University of Leeds, this webinar introduces some key ideas in the ethics of trust, with a particular focus on those in, or on the path to, leadership roles. Dr Baxter is joined by a panel of experienced leaders who will give their personal perspectives on how they understand the value of trust and how they seek to promote and inspire trust, drawing on their experiences of leadership. The panel includes:

  • Health and Care Hot Topics webinar

    Online webinar
    10 February 2021

    Spaces available

    In this webinar, we have two presentations showing the latest research on the implications for life and health insurers of two key issues: genomics and pandemic risk.

    Dr Peter Joshi and Paul Timmers will share their research on how well-established underwriting processes can allow for genomics in predicting expected mortality and morbidity. They will then discuss the potential for stratified screening and personalised medicine to improve health and reduce claim costs.

  • Spaces available

    As the world’s attention begins to turn to COP26 later this year in Glasgow, Sarah Gordon (Chief Executive, Impact Investing Institute) will share her vision for how the financial services industry can deliver for people and the planet, as well as how to encourage more investment with the intention to generate positive, measurable social and environmental impact alongside a financial return.

  • Sub-Saharan Africa Town Hall

    26 February 2021

    Spaces available

    IFoA Immediate Past President John Taylor would like to invite you to the Institute and Faculty of Actuaries’ (IFoA) virtual SSA Town Hall 2021, hosted by John Taylor with IFoA Council Members Mukami Njeru, Prosper Matiashe and IFoA Chief Executive, Stephen Mann.

  • MENAP Town Hall

    2 March 2021

    Spaces available

    IFoA Immediate Past President John Taylor would like to invite you to the Institute and Faculty of Actuaries’ (IFoA) virtual MENAP Town Hall 2021, hosted by John Taylor and IFoA Chief Executive, Stephen Mann.