Governance Financial Statements
Strategic Report
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WE CREATE VALUE for
SHAREHOLDERS Through efficient resource management we generate returns above our cost of capital and maintain strong underlying organic capital generation to reinvest in growth and support sustainable dividends. CUSTOMERS W e utilise medical underwriting to price customers fairly and strive to deliver the best customer experience; our robust business model ensures they can depend on us to pay claims over the long-term.
Innovative solutions Our insurance and investment solutions help customers manage risks such as running out of
money, becoming unable to afford care, or being exposed to their defined benefit pension scheme running into difficulty.
Risk selection P rognosys™ is our powerful proprietary underwriting engine for individual medical underwriting that allows the Group to identify and price the risks we want, and to improve customer outcomes. Sustainable investments Our Investment capabilities and successful illiquid origination strategy enables us to manage a diversified portfolio of assets to ensure sustainable returns for policyholders and shareholders.
PARTNERS F or trustee and scheme sponsors we provide solutions to de-risk pension liabilities and deliver member security.
Operational scalability W e continue to automate processes and modernise infrastructure to reduce our operating cost ratio and sustain high service levels as we grow.
COLLEAGUES Our purpose-led culture and focus on high- performing teams creates an environment for ambitious, curious and collaborative people to thrive.
Brilliant customer experience Our colleagues work hard to understand and serve customers as individuals, be there for the moments that matter, and minimise their administration.
ENVIRONMENT W e will reduce emissions from investments by 50% by 2030, invest in green infrastructure assets, and be net zero in our operations by 2025.
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