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Risk management    

Sound risk management is key to paying our policyholders' pensions

It’s our cautious and long-term focus that means we deliver our business strategy.

A strong framework to manage risks

Sufficient financial resources Effective and resilient operations Meeting external expectations
We’re constantly assessing market and economic activity to protect our capital position.  We’ve built strong and resilient systems and processes to make sure we always fulfil our purpose of paying our policyholders. We consider all of our stakeholders. Aiming to exceed their expectations to deliver strategic growth.

Effective risk management is fundamental to our success and embedded in everything we do


solvency II ratio

(as at 31 December 2023)


Fitch Rating



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