Technology & innovation


The missing link in understanding pensions risk

Once you fully understand your longevity risk, and how it compares to your other risks, you can make better decisions about how to manage it. This is where our unique tool, LCP LifeAnalytics, can help by measuring how much longevity risk you are running in your pension scheme.

How we can help

By analysing your pension scheme liabilities at an individual member level, LCP LifeAnalytics provides a tailored longevity ‘Value at Risk’ for your scheme. This longevity risk measure can be readily integrated with your investment risks to give you the complete picture of the risks faced by your scheme.

The longevity risk can be measured over any relevant time horizon (such as a 10 year journey plan) and at any risk level (eg a 1-in-20 year event).

Why LCP LifeAnalytics?

Developed with industry experts

LCP LifeAnalytics has been developed in conjunction with Richard Willets, Director of Longevity Analysis Ltd. Richard is a former chair of the CMI Projections Working Party and Executive Committee Member of the CMI. Richard has more than 15 years’ experience of analysing the mortality experience of DB pensioners, including for a number of leading UK bulk annuity providers.

What our clients say

LCP LifeAnalytics provided us with a way of measuring longevity risk that for the first time allowed us to analyse all our risks together, combining our own investment risk analysis with the longevity risk analysis from LCP LifeAnalytics.

Andy Smith - CEO of the Invensys Pension Scheme

LCP LifeAnalytics is a big step forward in improving understanding of longevity risk. It really helps trustees and employers efficiently allocate their risk-reduction budgets.

Andrew Clare - Chair in Asset Management at Cass Business School, and Pension Scheme Trustee

Our LCP LifeAnalytics experts

Our latest thinking

Meet the team

Buy-ins, buy-outs and longevity swaps

We are market leaders at each stage of de-risking, including planning, investment strategy, transactional services and wind up.

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DB investment

Our team works with trustees and sponsors of pension schemes to help them maximise their investment returns, while ensuring risk is well managed.

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Strategic journey planning and risk management

We help clients identify, manage and monitor pensions risks in an integrated way.

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LCP Sonar

LCP Sonar, our risk profiling tool, benchmarks your scheme against other pension schemes, covering covenant, funding and investment risks. You can quickly see how your scheme’s risk profile compares to others and think about the key risks for you.

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Risk and liability management

We help companies manage and mitigate their pensions risks and costs.

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