Skip to Main Content

Members secured





Pensioner buy-in


  • Quick completion of transaction
  • Bespoke price lock portfolio linked to the scheme’s assets
  • Initial contract allowed further tranches of beneficiaries to be secured on the same terms - second tranche added in December 2020
  • Buy-in reduced scheme’s exposure to longevity and financial risks


  • Transaction completed in just three months
    The buy-in contract was signed just three months after initially coming to market, which allowed the scheme to lock in to favourable pricing and market conditions.
  • Ability to cover further tranches of members under the same contract
    This structure allows for future transactions to happen very quickly, with minimal additional legal work required.
  • Rothesay’s price-lock
    From the outset, we locked our premium to a subset of the scheme’s assets so that the trustees could be sure the transaction economics would not change over a volatile period in global markets.