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Guest commentary articles from industry experts from across the longevity and mortality markets. If you would like to submit an article for consideration for publishing by Longevity and Mortality Investor, please click here.
Litigation risk in the life settlement market takes multiple forms, from cost of insurance increases to estate challenges, from credit risk to stranger-owned life insurance cases. Liam Bodemeaid, Actuarial Consultant at Actuarial Risk Management, introduces a new framework to price litigation risk with a little bit more logic, data, and structure in a guest article.
The success story of rising life expectancy is far from over, but it is evolving. For pensions and insurance, the challenge is to reflect short-term headwinds without losing sight of long-term potential.
The life settlement market has never been more mature and experienced, and ELSA is well placed to continue to lead from the front in terms of the awareness and education effort, driving standards, and fostering collaboration among market participants to push the industry to higher highs.
The life settlement market isn’t just a niche for policy sales; it’s a goldmine of mortality data that can elevate financial advising. By looking beyond traditional sources and embracing these insights, financial advisors could produce more accurate retirement income models for their clients and their businesses.
GMP Equalisation is continuing to be a significant hurdle for DB pension schemes on the final stretch to buyout but with the right tools, support and technology, these obstacles don’t have to derail transactions.
Since the COVID-19 pandemic, a striking divergence has emerged in the UK. While pensioners are living longer, working-age adults are facing worsening mortality rates.
Pension trustees face a critical challenge: ensuring their credit investments are aligned with both market conditions and insurer expectations.
People with mental health conditions often suffer from worse physical health, have more age-related diseases, and have a lower average life expectancy than people without a mental illness.
The temptation for schemes to reach blindly for the ‘quick and easy’ option is high, particularly for smaller schemes. This could result in requests for contributions from sponsors that are not strictly required, and lower returning investment strategies being implemented.
Advances in early detection and treatment have significantly improved survival outcomes, especially in non-metastatic cases. However, prognosis varies greatly depending on the stage at diagnosis, molecular characteristics, and the extent of metastasis.