Bulk Purchase Annuities (BPA)
A BPA is a transfer of pension obligations from a pension fund to an insurance company in exchange for a lump-sum payment. By leveraging our expertise, our clients rely on us to identify optimal BPA and reinsurance arrangements, contributing to scheme risk mitigation and financial stability.
What we offer
Buy-in / buy-outs
We offer proven expertise in structuring complex transactions, including data preparation, interpretation and cleansing, asset and liability cashflow modelling, pricing, and legal documentation review.
Longevity swaps
Our experienced actuarial team specialises in RFQ preparation and quote analysis, and offers insightful feedback against a benchmark basis via cashflow modelling.
Bespoke reinsurance
We also provide alternative de-risking solutions, including new business immediate annuities reinsurance.
Migration projects
We can manage complex migrations of BPA and reinsurance portfolios to new administration platforms — offering technical assistance, robust testing, project management and stakeholder engagement/sign-off.
Why choose 4most?
70+ actuaries
With generations of regulatory expertise between them. We understand all the metrics for success within the insurance world.
Trusted 100%
Our track record speaks for itself. In our most recent Client Satisfaction Survey, every single one of our clients recommended us.
Tailored to you
We take the time to understand your unique challenges so that we can deliver bespoke solutions that truly make a difference.
True specialists
There’s experts, and then there’s specialists. We live and breathe risk analytics consulting every day, which means we stay in tune with the latest trends.
Key contacts
Naomi Venables
Philip Bowyer
“4most’s technical consultation on BPA and reinsurance arrangements helped us enhance our current processes achieving efficiency and ensuring testing before implementation.”
