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Inclusive Insurance

The risks that society faces, and will face in the future, are changing rapidly. It is crucial that the insurance sector evolves in such a way to meet these changing needs so that everyone in society, including the most vulnerable, is able to access the necessary protection.

David Heath, Chair of IFoA’s Policy and Public Affairs Board:

“Insurance is designed to offer protection to individuals and businesses and it is important that the industry innovates and evolves to address changing needs. But it must seek to do so in a way that is fair and includes those needing protection the most.”

These issues will be explored through IFoA’s Inclusive Insurance Bulletin Series. Through the series, the IFoA will present a broad perspective on this issue, and has invited contributions from a range of important voices in the debate including Citizens Advice and the Social Market Foundation. 

Bulletin 1Drivers of change, the first bulletin in the series, explores the societal, technological and macroeconomic drivers that are creating the need for change, and the impact they are having. The second and third bulletin in the series will be released later in 2020.

Bulletin 2: Responding to change considers the issue of fairness within the insurance sector and the role that technological innovation is playing in access to insurance. Will the technological revolution lead to greater inclusion – and if not, what can be done to tackle inequalities? Contributors to this bulletin include Which? magazine, the ICAEW, and the Access to Insurance Initiative.

Bulletin 3 will take an in-depth look at the important role that insurance plays in society, ensuring all can be empowered through the protection it affords.

Read our inclusive insurance bulletins and blogs

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Events calendar

  • Spaces available

    We’ve all heard about the gender pay gap. Sadly, the gap doesn’t just exist with base pay.

    Research carried out by Legal & General in 2021 across the four million members in our Defined Contribution (DC) pensions, found that there’s a gender pension gap too, continuing the divide between men and women.

  • Spaces available

    As current global events continue to demonstrate, geopolitical tensions present significant risks to corporates of all sizes. However, these types of risk are often not given the discussion time it needs at the board level or executive committee levels, nor the resources required to anticipate, analyse and mitigate them effectively.

  • Spaces available

    At retirement, it has become very popular for those with Defined Contribution (DC) pensions to choose drawdown rather than an annuity, but drawing a sustainable lifetime income in this way is an impossible challenge for most people. We consider a Decumulation Pathway for the typical consumer, where a small part of the DC fund is set aside for any flexible access and legacy requirements. The bulk is then used to provide a lifetime income, utilising the pooling or insuring of longevity risk.

  • CILA 2022

    23 May 2022 - 24 May 2022

    Spaces available

    We continue to live in a world of global uncertainty. Survival depends on our ability to simultaneously navigate through the diverse root-causes, ranging from: the consequences of Climate Change; transitioning to Net Zero; increased inflationary pressures and supply chain issues; to self-imposed changes in regulatory requirements. CILA 2022 focuses on these challenges to ensure we continue to be informed and remain battle ready, as well as showcasing highlights of recent CMI outputs.

  • Spaces available

    In the spirit of fostering the IFoA’s vibrant, global community and enabling our members to participate, we have decided to hold our AGM virtually again this year. This allows for greater accessibility to this important annual event, and for greater accountability of our organisation.

    The Business of the AGM

  • The IFoA Conference 2022

    133 Liverpool St, London EC3A 7BX and Online
    22 June 2022 - 23 June 2022
    Spaces available

    We’re delighted to welcome you back to our first in-person conference since early 2020, also being delivered virtually in our first-ever hybrid event. The theme of our inaugural two-day conference is ‘Focusing on tomorrow’s actuary’ and will explore the contribution actuarial science is making to some of tomorrow’s biggest issues.