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Insurance Markets White Papers

  • Back to the Drawing Board: The Economic Crisis and Its Implications for Pension Provision in the United Kingdom

    Frank Eich and Amarendra Swarup, Pension Corporation

    This paper focuses on an issue, which so far has received relatively little attention by policy makers and the media, namely that the economic crisis has highlighted inherent weaknesses in existing pension systems in many countries.

  • Back to the Drawing Board: Update

    Frank Eich and Amarendra Swarup, Pension Corporation

    Six months on from the original paper, this update revisits some of the predictions previously made and assesses whether the conclusions drawn remain valid in the light of a more upbeat economic environment now.

  • Longevity: Trends, Uncertainty and the Implications for Pension Systems

    Frank Eich and Amarendra Swarup, Pension Corporation

    This paper looks at how increases in life expectancy are likely to impact on the future structure of pension systems, and at the innovative solutions being developed in light of these challenges.

  • MENA Reinsurance Barometer No. 2

    Dr Schanz, Alms & Company, on behalf of the Qatar Financial Centre Authority

    The first edition of the annual MENA Reinsurance Barometer builds on the well-established GCC Reinsurance Barometer launched in March 2011, but now covers the wider Middle East and North Africa (MENA) region, including Turkey. This extended geographical scope takes into account the ever-closer economic, social, and political ties across the region. It is based on in-depth interviews with senior executives of 38 regional and international reinsurance companies and intermediaries, provides a unique overview of the US$12 billion MENA reinsurance market, and offers a summary of key regional (re)insurance market data.

  • Public Sector Pensions: Rationale and International Experiences

    Frank Eich, Pension Corporation

    Public sector pension provision is an issue that has become increasingly contentious in recent years and this paper aims to provide the bigger picture against which a discussion could be held, including an historical perspective and an international comparison.

  • Tax Relief on Employer and Employee Pension Contributions: Rationale, Value and Distribution

    Frank Eich, Pension Corporation

    This briefing note focuses on the controversial issue of tax relief on pension contributions and provides some facts and figures on pension tax relief in the UK. It discusses the rationale for providing tax relief and some recently expressed concerns regarding the efficiency of such policy.

  • The Hidden Risks of Deep Sea Drilling

    Amarendra Swarup, Pension Corporation

    Who knew that BP stood not just for British Petroleum but also for British Pensions? In the aftermath of the Deepwater Horizon oil disaster, rarely has one event come to embody so many of the risks that UK pension funds face today.Forget the palpitations over the environmental impact and the horror of those advocating some form of socially responsible investing. These are luxuries for pension funds in happier times when the deeper risks associated with financial markets and corporate sponsors are hypothetical numbers hidden deep within performance reports. Now, every passing day serves only to highlight that even the perceived safest of investments carries within it a host of risks.

  • The Importance of Defined-Benefit Occupational Pension Schemes in Selected OECD Countries

    Frank Eich, Pension Corporation

    Pension provision to society as a whole is based on three pillars: the first pillar is state (statutory) social security, the second occupational pensions (defined benefit and defined contributions) and the third private pension savings. The relative importance of occupational pensions depends on how well the first and third pillars are developed. This study of pension systems in English speaking and western European OECD countries shows that the first pillar remains the mainstay of pension provision in many countries, complemented by occupational and private pensions.

  • Who Will Pay? Intergenerational Transfers and Public Sector Pensions

    Frank Eich, Pension Corporation

    This paper constructs a stylised society to analyse the different channels through which particular generations within one society can end up subsidising other generations through the functioning of the welfare state. In particular the paper studies in which way the different channels might be affected by the existence of funded or unfunded public sector pensions. The paper shows that inter-generational net transfers can arise for a number of reasons. The appropriate policy responses will depend on the exact nature of the underlying cause.

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