Insurance & risk settlement

Intelligent ways to manage your DB pension risks.

What makes us different

Industry experts with both adviser and insurer-side backgrounds

Proven strategic advice, finding you the best road to your endgame

Deep experience advising on de-risking schemes of all complexities

Unrivalled knowledge of Bulk Annuity insurer triage principles and pricing drivers

Innovation in the buy-out space, improving collaboration and results

Intelligent proprietary technology to improve outcomes

Insight

The most important decision you are yet to make regarding your DB pension scheme?

DB pensions can be time-consuming, complex and costly to run. Pension schemes that do not have a clear long-term plan could be missing out on opportunities to fully remove risk or release cash for the benefit of sponsors and members. Access to the insurance market has improved for schemes of all sizes, but there is more to do. Operational consolidation guarantees access for schemes of all sizes.

An unfussy, progressive approach

Most traditional de-risking processes are at risk of leaking value. We provide an evolved approach to defined benefit pension transfer advice. Better outcomes are enabled by combining diverse skillsets within a single team – adviser and insurer-side experts, as well as specialists in data integrity, contract negotiations, governance and investment.

Our collective experience also informs our philosophy, supported by our proprietary technology which we call Opportune. Designed in close collaboration with the insurance market, we’ve engineered a solution that delivers you the greatest value. Less risk, more efficiency, higher certainty.

Strategic de-risking advice. Get clarity on your options, learning which are best for your objectives, and the outcomes you can expect from each.
Buy-out readiness reports. Understand what key actions you need to take and optimum timings.
Data cleansing. Guidance to get you operationally ready to approach the market.
Integration with your investment strategy. Using our technology, InFra.
Guidance on illiquid assets. Our I-FLO helps minimise risk and prepares you for endgame.
Member experience. As you approach, and after buy-in or buy-out.

Client innovation driven by years of experience.

Client results are driven by our challenger mentality and a wealth of industry knowledge. We’re led by individuals with over 15 years’ executive-level experience in the bulk annuity market, on both the insurer and adviser sides. This includes deep experience of all de-risking solutions including:

Capital-backed Journey Plans
Financial and operational consolidation
Longevity swaps
Buy-ins and outs
Use of captive Insurers

Our approach to buy-ins and outs delivers huge improvements in how successful transactions can work. Our Opportune technology allows insurers to track their pricing against a client’s target price and transact when these align, so benefiting from short term pricing opportunities.

Insight

New Entrants Reshape the Bulk Annuity Market

For more than two decades, the bulk annuity market relied on a limited number of incumbents. Recently, however, new players have taken an interest. At the recent Professional Pensions Endgame Summit, Isio’s Nick Johnson and Andrea Mendham explained why the market was ripe for disruption and how each new insurer is carving out its own niche.