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:
- Pension Scheme Valuations
Funding assessments and actuarial valuations for defined benefit schemes. - Scheme Design and Strategy
Support with scheme closures, benefit redesign, and liability management. - Pensions on Divorce
Fair and accurate pension sharing reports for family law proceedings. - Member Option Modelling
Analysis of transfer values, PIEs, and other member choices. - Benefit Calculations
Individual member calculations for retirement, transfer, and death benefits. - Compensation Assessment for Employment-Related Claims
Independent actuarial analysis of compensation offers for unfair dismissal, mis-selling, and other regulated claims.
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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. - Congruent Calculations™
Scalable cloud system for organisations to produce high-volume redress calculations and provisioning – see Congruent Calculations™. - 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. - Loss of Pension and Earnings
Valuations for personal injury and employment tribunals. - Regulatory Support
FCA/PRA compliance reviews and actuarial input for enforcement cases. - Litigation Support
Actuarial modelling and analysis for complex disputes.
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Supporting a Diverse Range of Clients
- Pension Scheme Sponsors
- Trustees and Legal Advisers
- Financial Institutions
- Claims Management Firms
- Divorce Lawyers and Family Courts
- Funeral Plan Providers
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.