Nick Spencer
Senior Consultant
London, UK
Publications
Read their latest work
Article
Consultation Paper 10/25: Enhancing banks’ and insurers’ approaches to managing climate-related risks
18 July 2025 - by Claire Booth, Monique Mahabir, Amy Nicholson, Nick Spencer
In the wake of the PRA’s Consultation Paper 10/25, which aims at enhancing the management of climate risks, we cover its proposals and insurance-specific issues.
Article
PRA consultation paper CP10/25: “Enhancing banks’ and insurers’ approaches to managing climate-related risks–update to SS3/19”
18 July 2025 - by Nick Spencer
With the requirement to enhance approaches to managing climate-related risks, we highlight key issues and implications for insurance CROs.
Article
Is your firm’s approach to climate scenario analysis in line with the proposed UK regulations?
04 June 2025 - by Nick Spencer
In April, the United Kingdom’s Prudential Regulation Authority (PRA) launched ‘CP10/25’, its consultation paper on managing climate-related risks, which will update the supervisory statement 3/19 (SS3/19).
Article
Climate forecast: Looking beyond net-zero mortality predictions
27 February 2025 - by Adél Drew, Alan McDonagh, Arushi Mittal, Charlie Howell, Claire Booth, Gaël Neuhaus, Nick Spencer, Tatiana Egoshina
Our prototype climate mortality model explores on a high level the interactions of various climate and socio-economic factors on excess mortality.
Article
気候の予測:ネットゼロの死亡率予測の先を見る
27 February 2025 - by Adél Drew, Alan McDonagh, Arushi Mittal, Charlie Howell, Claire Booth, Gaël Neuhaus, Nick Spencer, Tatiana Egoshina
ミリマンのプロトタイプの気候変動の死亡率モデルは、様々な気候および社会経済的要因が過剰死亡率に与える影響を概括的に探ります。
Article
Fairness in UK health insurance: Developing a framework and best practices in health insurance
19 February 2025 - by Christine Fairall, Nick Spencer
We discuss four steps UK health insurers need to take to understand what is ‘fair’ and integrate that into business practices.
Article
英国の健康保険における公平性:健康保険におけるフレームワークとベストプラクティスの構築
19 February 2025 - by Christine Fairall, Nick Spencer
本稿では、英国の健康保険会社が「公正」とは何かを理解し、それを実務慣行に統合するために必要な4つのステップについて論じます。
Article
2025年の英国の生命保険・医療保険会社の持続可能性アジェンダ
06 February 2025 - by Nick Spencer, Adél Drew, Amy Nicholson, Charlie Howell
本稿では、2025年の英国の生命保険および医療保険会社の持続可能性アジェンダに関する10項目を確認します。
Article
The 2025 sustainability agenda for UK life and health insurers
06 February 2025 - by Nick Spencer, Adél Drew, Amy Nicholson, Charlie Howell
We review 10 items on the sustainability agenda for UK life and health insurers in 2025.
Article
もしも1/6の確率で気温が8℃上昇する場合、あなたはどのように行動を変えますか?
28 January 2025 - by Nick Spencer
本稿では、最近のミリマンのイベントで取り上げた持続可能性と気候リスク管理における重要なテーマに関する主な考察をお伝えします。