We hope you and your loved ones are all keeping safe and well during this uncertain time.

As we all adapt to remote working and life in lockdown, we'd like to keep you updated on the current hot topics in the market, so welcome to the spring edition of Current issues in insurance & financial services - our quarterly publication in which our specialists share their insights into some of the latest issues in the market. 

In this edition we cover a selection of hot topics, including: 

• Recent trends in mortality, with a particular focus on COVID-19, and how these may impact the CMI Mortality Projections Model;
• The fair treatment of vulnerable customers;
• The gig economy, and what insurers can do to protect it;
• COVID-19: considerations for pension scheme risk transfer;
• COVID-19 and some of the potential impacts on insurers;
• EIOPA's discussion paper on what Solvency II risk-free rate curves may look like as IBOR rates are phased out;
• EIOPA's information request on the 2020 review of Solvency II; and
• Creditor Schemes - what they are, and why firms implement them.

Recent mortality trends and implications for the CMI model

In this article, we take a look at recent trends in mortality and the latest CMI Mortality Projections Model, in the context of COVID-19.

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Fair treatment of vulnerable customers

In this article, we look at the identification of vulnerable customers and how the life insurance industry can help to meet the Regulator’s goal of ensuring fair treatment for this part of society.

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Protecting the gig economy: An opportunity for insurers to do more?

With the growth of the gig economy, we look at the challenges for workers in this sector to access traditional protection, and what the insurance industry could do to better meet their needs through product development and distribution. 

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COVID-19: considerations for pension scheme risk transfer

Bulk annuity and longevity writers will be keen to know how pension schemes are thinking about pension risk transfer in the context of COVID-19. The following article from our Risk Transfer team covers the key considerations that these pension schemes should be factoring in.

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COVID-19: Potential impacts on insurers

In this newsflash, we look at the impact COVID-19 is having on markets, the spread of the virus, and potential impact on insurers - both immediate and long-term. 

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LIBOR transition - EIOPA risk-free rate curve...at last!

In a February discussion paper, EIOPA broke its silence on how Solvency II risk-free rate curves could be amended as IBOR rates (including GBP LIBOR) are phased out by the end of 2021. With the deadline for feedback now extended to 30 June 2020, our article looks at EIOPA's proposals and the implications for firms.   

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EIOPA's information request on the 2020 review of Solvency II

In this newsflash, we look at the information request from EIOPA on the 2020 review of Solvency II, along with a selection of the other proposals that EIOPA’s seeking to test. We share our thoughts on some of the potential impacts on firms.

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Schemes of Arrangement - Creditor Schemes in Life Insurance

An increasing number of firms appear to be using Creditor Schemes to transform their business. In this blog, we look at what a Creditor Scheme is and why you would implement one.

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