This document is intended for professional and institutional audiences and is not directed at retail clients. By Jamie Burdess, Principal Consultant for Vertical Markets UK universities are facing a growing set of interconnected challenges across pensions, employee benefits, and workforce strategy. Once considered a cornerstone of a competitive reward package, pension provision has become a […]

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’ [...]