Medical underwriting for evaluating DB pension schemes has taken off over the last few years. Insurers are assessing the scheme members’ health to medically underwrite them and predict their individual longevity and cumulatively the overall mortality for the scheme. The result has seen bulk annuity insurance transaction savings in the region of 5%–10%.

MorganAsh has completed the vast majority of medically underwritten bulk annuities and is a key facilitator in the growth of the market.

While the MUBA – insurance transactions have hit the headlines with over £1 billion on pension assets re-evaluated, MorganAsh has also been contracted by companies and trustees to assess a similar £1 billion of pension liabilities purely for valuation purposes. These MUMS with better data have delivered similar results, with valuations typically around 10% lower.

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Our clients say:

I’m not an IT person in any way, but putting the client’s information on there, it’s just a few details – and then you click a couple of buttons and the link to the assessment goes off to the client.

Paul Russell, chartered financial planner