We had a trustee board demanding an independent sign-off and an internal actuary who'd never faced a Section 75 dispute. Actuate came in, understood the liability structure within hours, and delivered a certificate that stood up to the Pension Regulator's scrutiny without a single revision.
Richard Ashworth
CFO, Meridian Infrastructure Group
Fellow of the Institute and Faculty of Actuaries
Highest professional designation in UK actuarial practice
The employer was challenging our debt calculation. We needed someone who could hold their own in a room with two QCs and a forensic accountant. The fellow Actuate assigned had modelled more Section 75 disputes than anyone I'd encountered in thirty years of trusteeship.
Caroline Stroud
Chair of Trustees, Harwick Pension Fund
Pension liabilities assessed across career
FTSE 100 and mid-cap defined-benefit schemes
Independent reserve opinions at Lloyd's are not a commodity. The syndicate had a complex long-tail casualty book and our external auditors needed a qualified actuary to countersign the IBNR. Actuate delivered a report that the audit committee accepted without question.
James Fforbes-Whitmore
General Counsel, Consolidated Re (Lloyd's)
Regulatory frameworks mastered
Pensions Regulator, Pension Protection Fund, Financial Conduct Authority
Scope of Practice
Three engagements.
One standard of rigour.
Defined-Benefit Scheme Valuation
Triennial valuations, actuarial certificates, and assumption-setting for trustees and sponsoring employers. We hold the calculation, sign the report, and defend the figures to the Pensions Regulator.
Typical engagement: 3–6 weeks
Independent Reserve Opinion
IBNR and IBNER reserve opinions for Lloyd's syndicates, captives, and run-off portfolios. Produced to audit committee standard, countersignature-ready, with full methodology disclosure.
Typical engagement: 1–3 weeks
Expert Witness & Litigation Support
CPR Part 35-compliant expert reports for pension disputes, insurance coverage litigation, and employer covenant assessments. Instructions accepted from solicitors and directly from parties.
Availability subject to court timetable
"Actuate produced a covenant assessment that our trustees accepted in a single meeting. No back-and-forth, no qualifications. The work was right the first time."
Harriet Vane-Cavendish
Finance Director, Aldgate Capital Partners
"We had a hard deadline from the Lloyd's market calendar. Actuate understood immediately that missing it wasn't an option. They delivered two days early."
Simon Okafor
Managing Director, Whitmore Re (Lloyd's Syndicate 2847)
"The PPF certification process is unforgiving. I've worked with three actuarial firms on wind-up mandates. Actuate is the only one I'd call without hesitation."
Dr. Patricia Llewellyn-Jones
Independent Trustee, Hargreaves Pension Fund
"The IAS 19 disclosure was going to be challenged by our auditors. Actuate's assumptions were documented at a level of granularity that made every challenge straightforward to rebut."
Thomas Marchetti
Chief Risk Officer, Albion Insurance Group