
Buy-in
An insurance policy issued in the name of the trustees of the pension scheme and held as an asset of the scheme
What is a buy-in?
A buy-in is an insurance policy that helps cover a portion of a pension scheme’s liabilities.
It ensures there are enough funds to meet future obligations and is held as an asset of the scheme, alongside other investments.
Schemes often use buy-ins as part of their risk management or long-term self-sufficiency strategies.
Buy-in at a glance
Removes the risks of investment, longevity, interest rate changes and inflation for the members covered by the policy.
Can cover all members or a subset of the liabilities allowing ‘partial de-risking’. For example, deferred pensioners, current pensioners or subsets of either.
Held as an asset of the scheme and we make monthly payments to the scheme in relation to benefits of covered members, while the trustees retain responsibility for administration.
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Buyout
An insurance policy issued to each pension scheme member individually which enables the scheme to wind up.

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