By David Brooks, Head of Policy at Broadstone Summary In this article, Broadstone’s Head of Policy, David Brooks, explores why employees often delay pension saving despite knowing it matters. Drawing on Meghan Sullivan’s theory of time bias, he argues that workplace pension schemes expose a deeper human challenge: employees are being asked to make decisions […]

By David Gray, Senior Consultant Actuary at Broadstone Summary Emerging health risks, from tick-borne disease to extreme weather, are becoming increasingly relevant for life assurance and income protection insurers. Climate change is reshaping morbidity patterns, strengthening the case for prevention, early intervention and more integrated climate risk assessment across protection products and actuarial frameworks. Climate […]

Our latest Regulatory Newsletter is now here for your interest and for you to circulate to any interested parties. Read more on the latest headlines below. Operational resilience: insights and observations one year on The FCA has recently published Operational resilience: insights and observations one year on, setting out what it has learned from firms’ [...]

Independent schools have rarely had to balance so many pressures at once. Costs remain elevated, employer National Insurance has risen, charitable business rates relief has gone for qualifying schools, and VAT on fees is now part of the operating landscape. At the same time, the wider economy is still dealing with inflation above target, and [...]