De-risking solutions

Solutions for every de-risking need

We offer a full range of solutions to meet the needs of Defined Benefit plan sponsors at every stage of their de-risking journey.

Annuity buy-outsAnnuity buy-insLongevity insuranceLiability driven investments

The challenge for DB pension plans

Defined benefit (DB) pension plans in Canada face many challenges. Life expectancies are increasing faster than expected, equity markets are volatile and interest rates are at historic lows. Pension risk can have a significant impact on the sponsor’s core business and member benefit security. 

De-risking can provide welcome relief, by reducing the volatility of cash contributions and earnings per share, by ensuring member benefit security and by protecting the plan against unexpected increases in longevity. Canadian plan sponsors are reducing their pension risk so they can focus on their core business and deploy their risk budget where it provides a competitive advantage.