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Actuarial and financial services consulting

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	Overview
	Life interests and reversions
	Pensions on divorce
	Financial Ombudsman Service
	Endowment and pension mortgages
	Contracting out of SERPS/S2P
	Guaranteed annuity rates
	Investment risk mismatch

New OAC publications

Our address and telephone numbers changed on 1 July 2009

OAC Topical Article Q1/10: The perils of holding a Controlled Function - FSA's latest moves on governance

OAC Advertisement Q1/10: Flying high as an OAC contractor

OAC Focus Q4/09: The Actuarial Profession - Life Convention 2009 Edition

OAC Topical Article Q4/09: FSA's Dear CEO letter to Mutuals

[See all >>]

	Key contact information
	Dick Crease

	Christiane Perera

	actuarialcalculations@oacplc.com


	Testimonials
	R.A.M. Financial Services Limited: "A professional organisation, who painstakingly assisted us through a complex actuarial calculation. Much additional information was required, and their help to us was crucial. I recommend this firm without reservation!" [See all >>]


	Publications & downloads
	OAC Topical Article - Q2/08 Solvency 2: an introduction to QIS4

	Terms and Conditions of Business


	Related links
	Mo.net: The future of financial modelling

	OAC: Solvency 2: preparing for regulatory changes


	Relevant accreditations

Endowment and pension mortgages

OAC has its own endowment mortgage loss calculator that calculates loss on the basis normally directed by FSA or FOS and can be adapted to the basis normally laid down for pension mortgages. OAC can calculate for both the compensator or the investor who was mis-sold.

If agreed by both parties we can accept a joint instruction but otherwise would only act for the first to make a formal request from OAC.