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Tag Archives: Insurance
We don’t opt in to paying for our old age care! Would you opt out of optional insurance?
There are awful things that beset the old. Dementia is our great mental fear. There are long and frightening physical complaints that require care. There are people who die easily. People have state, public and private pensions and in … Continue reading
Sensible solutions to social care.
The last time that the question being asked by Patrick Jenkins was being addressed by “financial services companies” (like Commercial Union) , was in the early days of the 1990s when as an IFA I discussed with mature clients investing … Continue reading
A debate on the morality of Standard Life buying into its pension scheme
You may think it is a little lazy to make a blog out of other people’s comments made on a summer Sunday. But the comments are made by senior people who have experience either senior in insurance (Adrian Boulding) or … Continue reading
Posted in pensions
Tagged annuity, Bulk annuity, buy-in, buy-out, FSCS, Insurance, Pensions, Standard Life
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Capital punishment, 24 years on
In 2002 a falling market nearly sank UK life insurers. Today the same crash would barely move them. Gordon Aitken Jun 23, 2026 Note: These are Gordon Aitken’s personal views and do not constitute investment advice. See full disclaimer below. … Continue reading
A proper analysis of the disaster of QE on our pensions. – Pensions Oldie
Yesterday, amid the early morning groan of a hospital ward , I penned a blog on the negative impact of QE and QT on Britain (though I touched on DB pension schemes and DC savers on a “glidepath”), it was … Continue reading
Insurers competing for pensions using leverage to boost annuities? Surely not.
The bulk purchase annuity market comes under the scrutiny of the FT this morning. They are reporting what we have heard rumoured but have had no solid evidence of. The insurers say this has nothing to do with the leveraged … Continue reading
Posted in advice gap, pension genome
Tagged Annuties, Insurance, L&G, LDI, leverage, Liability Driven Investment, Pensions, Phoenix, PIC
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Brookfield owns the Utmost link between Equitable Life and Just.
Want an explanation? Brookfield are investing in Just, Brookfield are investing in Utmost and Utmost are the renamed Equitable Life. Utmost are what is known in offshore financial services as a “death insurance company” A death company? Utmost is … Continue reading
Posted in pensions
Tagged Brookfield, DB pensions, Death insurer, Equitable Life, Insurance, Just, Pensions
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Are insurance companies getting it easy when taking on our pensions?
Pensions Oldie argues that risk management in the pensions world is radically different to that in insurance. Responding to an article where insurers themselves complain about the arrival of short term private equity money he comments. I don’t have … Continue reading
Zurich’s Greco isn’t pleased with Apollo and others buying up pensions
I worked for Zurich one way or another much of my life; I know them to be a decent European general insurer who know quite a lot about investing in UK life and pension businesses. Allied Dunbar , Eagle Star, … Continue reading