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1. Life and pensions

Capita is the leader in this market. Our scale, focus on customer service and investment in specialist technology make us a compelling choice as an outsourcing partner.

We raise service levels, reduce costs and help bring products to market faster and more cheaply for our clients. This is an attractive proposition for product manufacturers, distributors and specialist providers. The life and pensions outsourcing market continues to develop and offer strong new contract opportunities; we are also beginning to see early contracts delivered by other providers being re-tendered. Our scale economies and deep experience have enabled us to win the majority of these opportunities.


Drivers for outsourcing include:

  • Structural changes in the market due to the worldwide credit crunch, notably in the bancassurance sector: many firms are reassessing their current operating models
  • Need to increase effectiveness of operations and cut operating costs
  • Response to increasing regulation, notably the FSA's Treating Customers Fairly
  • Pressure to improve customer service and find innovative ways of retaining customers
  • Reducing clients' exposure to the risks associated with administering closed books of business
  • Importance of bringing new products to market faster
  • Need for a platform that allows more effective distribution to Independent Financial Advisers.

7% annual growth across this sector to 2012 estimated by industry analysts*

*Ovum 2008