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With-Profit Business

In the with-profit business there are so many different situations where you may need help or advice. Finding someone who can help whatever the situation may seem an impossible quest. But the Actuarial and Investment Solutions team have the experience to be able to help.

Help in all areas
An independent view
Selecting the best

Help in all areas  

We advise on a variety of different issues affecting with-profit business, including:

  • Projecting future solvency, strains and emerging surplus in different scenarios
  • Evaluating financial risks, including the projected risk of ruin, or risk of falling below certain levels of financial strength
  • Helping to set investment policy and benchmarks, including modelling of the interaction of bonus rates, investment policy and statutory solvency
  • Setting bonus policy and/or bonus rates
  • Interpreting PRE and how to achieve equity between groups
  • Asset share methodology and bases, including charging for guarantees and expenses, and allocating different sources of profit
  • Estimating the Estate and advising on appropriate strategies for managing the Estate, including advising on ownership rights
  • Recommending actions to reduce the burden of excessive guarantees, including potential use of reinsurance and hedging strategies
  • Assisting in developing new generation products offering smoothed returns, risk protection or guarantees

Whatever your need in relation to with-profit business, we have the experience and expertise to help.

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An independent view  

With-profit business is complex and new issues for consideration come up frequently. For example, the recent problems with guaranteed annuity rates have caused many clients to review the level of guarantees being offered and whether these are being properly costed and charged for. When issues like this arise, you may not always be able to reach the solution on your own. Using professionals who can give an independent, experienced view is the answer.

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Selecting the best  

We have extensive experience in advising both proprietary and mutual companies. This experience has led to the creation of a team with a broad range of knowledge who know how to give sound, practical advice.

As an independent firm we are often in a better position to discuss issues with regulators and the Government's Actuarial Department.

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