Gender discrimination ruling leaves annuity providers confused over capital

UK annuities providers cannot price for gender, but must still reserve capital for it


The ruling by the Court of Justice of the European Union that gender could not be used as a factor in pricing insurance premiums, despite its inclusion in the Solvency II longevity risk capital requirements, risks sending contradictory signals to insurers, and is driving annuities providers to concentrate on lifestyle risk factors, according to a leading insurer.

Female annuitants have a longer life expectancy, although there is no consensus on how much of this is intrinsic and how much is due

Only users who have a paid subscription or are part of a corporate subscription are able to print or copy content.

To access these options, along with all other subscription benefits, please contact or view our subscription options here:

You are currently unable to copy this content. Please contact to find out more.

Sorry, our subscription options are not loading right now

Please try again later. Get in touch with our customer services team if this issue persists.

New to View our subscription options


Want to know what’s included in our free membership? Click here

This address will be used to create your account

The future of life insurance

As the world constantly evolves and changes, so too does the life insurance industry, which is preparing for a multitude of challenges, particularly in three areas: interest rates, regulatory mandates and technology (software, underwriting tools and…

You need to sign in to use this feature. If you don’t have a account, please register for a trial.

Sign in
You are currently on corporate access.

To use this feature you will need an individual account. If you have one already please sign in.

Sign in.

Alternatively you can request an individual account here