Navigating Complexity with Actuarial Precision
Actuarial expertise to support financial decision-making, risk management, and regulatory compliance.
Our actuarial services are designed to help businesses and individuals make informed decisions in complex financial environments. Whether you’re managing pension liabilities, assessing redress, or modelling capital requirements, our team of actuaries delivers clarity, compliance, and confidence.
We support clients across three core areas:
Pension Services
Helping sponsors, trustees, and advisers manage pension obligations with clarity and compliance. Services include:
- Scheme Actuary services
We act as appointed Scheme Actuary, providing clear, concise advice tailored to trustee needs. Our experienced team supports statutory valuations, funding negotiations and trustee governance. - Scheme Design and Strategy
Support with scheme closures, benefit redesign, and liability management. - Member Option Modelling
Analysis of transfer values, PIEs, and other member choices. - Benefit Calculations
Individual member calculations for retirement, transfer, and death benefits. - Liability management
We design and run member option programmes that reduce scheme cost and risk. Typical exercises include cash commutation offers, pension increase exchange and enhanced transfer value programmes. - Bulk annuities buy‑in and buyout support
We prepare employers for insurer transactions, supporting pricing, procurement, tender management and post‑transaction reconciliation to enable efficient buy‑in or buyout execution.
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Risk & Valuation Services
Quantifying financial risk and supporting regulatory compliance through robust modelling and analysis.
Services include:
- Redress Calculations
Expert actuarial input for financial mis-selling and compensation claims – also see Congruent Redress Calculation Services. - Capital Modelling
Solvency and capital adequacy assessments for regulated firms – also see Congruent Capital Calculation Services. - Bulk Annuity Pricing
Using our Congruent Calculations™ platform we can offer bulk annuity providers a service to help manage a bulk annuity portfolio. - Data Analytics and Assumptions
Experience analysis, demographic modelling, and assumption setting.
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Legal Services
Independent actuarial expertise to support litigation, mediation, and regulatory investigations.
Services include:
- Expert Witness Reports
Clear, defensible actuarial evidence for legal proceedings. - Life and Reversionary Interests
A well‑constructed valuation protects all beneficiaries and reduces the risk of disputes, and supports tax planning. - Loss of Pension and Earnings
Valuations for personal injury and employment tribunals. - Pensions on Divorce
Fair and accurate pension sharing reports for family law proceedings. - Litigation Support
Actuarial modelling and analysis for complex disputes. - Compensation Assessment for Employment-Related Claims
Independent actuarial analysis of compensation offers for unfair dismissal, mis-selling, and other regulated claims.
Regulatory review & Assurance
Regulatory scrutiny demands precision, defensibility, and senior‑led delivery. Congruent provides independent actuarial and risk expertise to help firms prepare for, respond to, and operationalise FCA review activity — including Section 166 support, thematic reviews, supervisory requests, and remediation validation
Services include:
Section 166 Support
Pre‑s166 readiness assessments
Technical documentation and evidence‑pack preparation
Independent model and calculation assurance
Structuring governance, workstreams, and reporting for s166 mobilisation
Board‑ready materials translating technical issues into clear decisions
Regulatory Review & Assurance
Response support for FCA supervisory or ad‑hoc information requests
Thematic review preparation and technical narrative development
Governance and control reviews across actuarial, risk, and investment domains
Remediation validation and assurance
Data and model integrity assessments
Supporting a Diverse Range of Clients
Trustees of occupational pension schemes — supporting governance, funding, and risk‑focused decision‑making.
Corporate sponsors — delivering clear, defensible analysis aligned with commercial objectives.
Insurers and reinsurers — providing technical depth across valuation, modelling, and capital considerations.
Legal and professional services firms — supplying actuarial expertise for litigation, transactions, and regulatory matters.
Regulators and public bodies — enabling transparent, audit‑ready calculations and reporting.
Advisory and consulting partners — integrating seamlessly into multidisciplinary project teams.
Why Choose Congruent?
Trusted Expertise. Tailored Solutions.
In most financial and legal matters, businesses and individuals turn to traditional professional advisors such as IFAs, accountants and solicitors. However, sometimes the subject matter is complex and requires specialist financial advisory and actuarial services.
- Specialist Knowledge
Our actuaries combine deep technical expertise with real-world experience across pensions, insurance, and financial services. - Regulatory Confidence
We help clients meet FCA, PRA, and international standards with robust actuarial and compliance support. - Innovative Tools
Our Congruent Calculations™ platform enables a secure, flexible and scalable environment that can be tailored to your needs. - Client-Centric Approach
We work collaboratively, ensuring our advice is clear, actionable, and aligned with your strategic goals.