Risk Transfer

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Uniquely experienced in all forms of pensions risk transfer

Our pension risk transfer and management lawyers are uniquely experienced in all forms of risk transfer, blending peerless legal understanding with a practical and clear approach to deliver commercially astute solutions.

We work with clients of all sizes, including a broad range of trustees, sponsors, insurers and government bodies. If you're the trustee or sponsor of a smaller scheme, we provide a streamlined platform, providing access to the bulk annuity market whilst delivering cost savings. We also have the scale and capability to advise on the largest, multi-billion-pound trades (including insurer, sponsor and trustee-side advice).

Market-first innovation

Our team has a strong history of delivering market firsts - from a capital-backed journey plan to assured payment policies and longevity solutions.

As well as pensions buy-in / buy-out work, our pension risk transfer advisers hold the PPF Trustmark badge. Our long term position on the PPF legal panel has allowed us to handle more PPF + transactions than any other practice.

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How we can help

With unrivalled experience and the scale to deliver, our pensions risk transfer team offers a broad range of services to trustee, sponsor, insurer and government clients.

Industry leaders on buy-in / buy-out

We've been at the cutting edge of the insurance-based buy-in / buy-out market for over 15 years. From streamlined small scheme solutions to record-breaking multi-billion pound transactions, we're go to advisors for trustees, sponsors and insurers. Our experience includes trustee-side advice on bespoke buy-ins; trustee-side advice on streamlined platforms (our team is the sole legal adviser for the LCP's 'streamlined' platform); sponsor-side advice on buy-ins; insurer-side advice on buy-ins; and advising trustees and insurers on moving from buy-in to buy-out.

Large and complex longevity swaps

PPF+ transactions

Capital-backed journey plans

DB consolidator / superfund market

Complete confidence. Delivered.

"It isn't lost on me that this deal is happening due to the huge amount of work you have put in."
Source
"I have complete confidence that our key contacts can provide strong, pragmatic advice on all matters, and that they leave no stone unturned."
Source

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Pensions: West Midlands - Chambers and Partners, 2025

1

Pensions: West Midlands - The Legal 500, 2025

2

Pensions: Non-contentious - The Legal 500, 2025

Client work

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