Persistency

One of the biggest headaches in the pension industry is persistency, namely whether premiums cease prematurely (called PUPs) or funds transfer before maturity.

We have long expertise in understanding the link between persistency and profitability (or, more accurately, the link between poor persistency and losses). We also have expertise in identifying risk factors for poorer-than-average persistency, enabling you to change your pricing strategy. This enables you to either avoid poor-persistency business, or else to ensure that the cost of poorer persistency is reflected in commercial terms to distributors. If you are interested in more details, please contact us.