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Life Assurance

United Kingdom

The commercial, economic and regulatory environment for the life assurance industry has never been more challenging.  Technology, historically low interest rates, increasing longevity and the introduction of Solvency II are driving ever greater focus on risk and capital management, asset allocation and investment strategies.  The focus is all on achieving competitive advantage through new product development and distribution.

In this complex, fast-changing and highly regulated sector, members of our multi-disciplinary Life Assurance Team work alongside leading life assurers, reinsurers, retail and investment banks, investment managers, funds and their financial and actuarial advisors across the full range of their activities.

CMS' team of 'highly knowledgeable insurance experts' provides 'good commercial advice, short response times and great value for money'.
Legal 500 UK, 2015

We have extensive experience of high-value corporate and transactional matters, advising on cross-border mergers and acquisitions, restructurings, as well as structured reinsurance and capital transactions, alternative asset investments and major distribution arrangements.

In addition, we are widely acknowledged as a leader in the rapidly developing pension de-risking and longevity risk transfer markets, having advised clients on many of the largest and most innovative transactions announced to date.

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High­lights of our ex­per­i­ence in Life As­sur­ance in the UK
A life as­sur­ance com­pany on the re­struc­tur­ing of its as­set port­fo­lio to ob­tain match­ing ad­just­ment treat­ment un­der Solvency II.Met­Life on the ac­quis­i­tion of Aviva life and pen­sions sub­si­di­ar­ies in CEE...
Law-Now: In­sur­ance
Vis­it Law-Now for leg­al know-how and com­ment­ary

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4 December 2017
Risk Mat­ters: In­sur­ance Sec­tor Up­date (Winter 2017/18)
The latest edi­tion of Risk Mat­ters, high­light­ing is­sues im­pact­ing the in­sur­ance sec­tor, is now avail­able to down­load from our web­site.High­lights in­clude an as­sess­ment of this year’s $100bn North Amer­ic­an...
11 August 2016
In­sur­ance is­sues: key is­sues for the in­sur­ance mar­ket - Sum­mer 2016
Wel­come to the Sum­mer 2016 edi­tion of In­sur­ance Is­sues, our six-monthly look at key is­sues and de­vel­op­ments af­fect­ing dif­fer­ent areas of busi­ness in the in­sur­ance mar­ket.Af­fect­ing all areas, Brexit...
27/05/2016
Risk Mat­ters: In­sur­ance Sec­tor Up­date (Spring 2016)
Wel­come to the 2016 Spring edi­tion of Risk Mat­ters, our In­sur­ance Sec­tor news­let­ter pre­pared for CMS cli­ents and con­tacts to keep you abreast of sig­ni­fic­ant de­vel­op­ments and is­sues af­fect­ing the in­sur­ance...
22/06/2015
In­sur­ance Is­sues (June 2015): Key is­sues for the in­sur­ance mar­ket
CM­S' In­sur­ance and Re­in­sur­ance Group has is­sued the June 2015 edi­tion of In­sur­ance Is­sues, a six-monthly re­view of key is­sues and claims trends for the in­sur­ance mar­ket.Feb­ru­ary saw the passing of the...
01/09/2014
10 things every in­surer should know about Cent­ral East­ern Europe
The aim of this bro­chure is to provide an in­form­at­ive in­tro­duc­tion to the key areas of con­cern for an in­surer when con­sid­er­ing es­tab­lish­ing op­er­a­tions in 14 jur­is­dic­tions of Cent­ral and East­ern Europe...
26/08/2014
CMS ad­vises on £900m longev­ity swap for Trust­ees of the PGL Pen­sions Scheme
CMS in Lon­don has ac­ted for the Trust­ees of the PGL Pen­sions Scheme (“PGL”) in the £900 mil­lion longev­ity in­sur­ance trans­ac­tion with Phoenix Life Lim­ited (“Phoenix”), part of Phoenix Group Hold­ings...
17/07/2014
Risk Mat­ters: In­sur­ance Sec­tor news­let­ter Sum­mer 2014
Risk Mat­ters is our quarterly up­date on the latest themes and sub­jects af­fect­ing do­mest­ic and in­ter­na­tion­al in­sur­ance mar­kets.High­lights from this edi­tion in­clude:FCA’s Them­at­ic Re­view in­to broker con­flictsCon­sumer...
16/06/2014
Life, pen­sions & longev­ity risk
The longev­ity and pen­sions risk trans­fer mar­ket has seen sub­stan­tial in­nov­a­tion and ex­pan­sion in re­cent years, driv­ing ever closer con­ver­gence between the in­sur­ance and cap­it­al mar­kets.With a repu­ta­tion...
30/05/2014
CMS named ‘top over­all law firm for all leg­al deal­ings’ in Re­ac­tions’ In­sur­ance...
CMS has been named the ‘top over­all law firm for all leg­al deal­ings’ in the Re­ac­tions’ In­sur­ance and Re­in­sur­ance Leg­al Sur­vey 2014.The sur­vey, con­duc­ted by in­dustry-lead­ing pub­lic­a­tion Re­ac­tions...
28/03/2014
Cor­por­ate In­sur­ance Cap­ab­il­ity
Our award-win­ning Cor­por­ate team is re­cog­nised as one of the largest and most ex­per­i­enced in Europe.Our CMS net­work of in­ter­na­tion­al law­yers in­cludes over 600 cor­por­ate law­yers who ad­vise on trans­ac­tions...
28/03/2014
Risk Mat­ters: In­sur­ance Sec­tor up­date Spring 2014
Risk Mat­ters is our quarterly up­date on the latest themes and sub­jects af­fect­ing do­mest­ic and in­ter­na­tion­al in­sur­ance mar­kets.In this is­sue, we ex­plore emer­ging top­ics that po­s­i­tion the in­sur­ance in­dustry...
28/02/2014
Life In­sur­ance Group – our ex­pert­ise
The life in­sur­ance in­dustry is at the heart of the fin­an­cial in­sti­tu­tions sec­tor, and plays a vi­tal role in eco­nom­ies across Europe and bey­ond.In re­cent years, eco­nom­ic head­winds, de­clin­ing in­vest­ment...