--- title: "In Case You Missed It: The Impact of Poor Pension Data on Endgame Planning" description: "At February’s PMI DB Pension Conference, Dr. Tim Drye of Mortality Manifest highlighted a pressing issue for Defined Benefit (DB) schemes: poor member data" image: https://www.mortalitymanifest.co.uk/hubfs/Imported_Blog_Media/medium-scaled.jpg --- [![MM - Logo Design (Blue) - 10kb](https://www.mortalitymanifest.co.uk/hs-fs/hubfs/MM%20-%20Logo%20Design%20(Blue)%20-%2010kb.png?width=100&height=85&name=MM%20-%20Logo%20Design%20(Blue)%20-%2010kb.png "MM - Logo Design (Blue) - 10kb")](https://mortalitymanifest.co.uk) [In](https://www.linkedin.com/company/mortality-manifest-limited) [Get in touch](https://www.mortalitymanifest.co.uk/contact-us) [In](https://www.linkedin.com/company/mortality-manifest-limited) [Get in touch](https://www.mortalitymanifest.co.uk/contact-us) ![](https://www.mortalitymanifest.co.uk/hs-fs/hubfs/Imported_Blog_Media/medium-scaled.jpg?width=1280&name=medium-scaled.jpg) # In Case You Missed It: The Impact of Poor Pension Data on Endgame Planning [Dr Tim Drye](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/author/dr-tim-drye) Mar 11, 2025, 11:45:00 AM   At February’s PMI DB Pension Conference, Dr. Tim Drye of Mortality Manifest highlighted a pressing issue for Defined Benefit (DB) schemes: **poor member data quality** and its impact on endgame strategies. If you missed our talk, here are the key takeaways. [Full video available here](https://new.express.adobe.com/id/urn:aaid:sc:US:b10c524b-ed42-4bd6-9b98-cf71533304e2?category=search). ## **Why Member Data Matters in Bulk Annuities** The bulk annuity market is growing rapidly, with **247 transactions worth £47.1bn in 2024,** and expectations of **300+ transactions in 2025**. Yet, **poor data quality can disrupt deals**, as insurers and schemes rely on accurate records to negotiate pricing and liabilities. **Common data issues include:** - **Over 50% of addresses are incorrect** - **Missing Spousal information for 45% of records** - **3% of members recorded as alive despite being deceased** - **30-40% of members have moved but not updated records** - **70% of members missing an email address** ## Marriage, Longevity & Liability Projections One of the biggest hidden risks in DB schemes is how marriage status affects longevity: - **Married men live 2.1 years longer at 65; married women, 1.7 years** - **Liability for married men increases by 10 years, for married women by 7 years** - **A misclassified membership file could see a 30% swing in scheme valuations** ## **What Can Be Done?** By improving member tracing, data validation, and spouse identification, schemes can: - **Increase address accuracy to 90%** - **Trace spouse and understand relationship status for 85% of members** - **Understand members likely to be divorced** - **Trace Opt-in emails for members to support efficient write-outs** ## **Data is the Foundation of Endgame Success** Deferred member pension data is often **historical and unreliable**, yet it plays a pivotal role when understanding future liabilities and scheme valuation. Investing in **high-quality, up-to-date data** can be the difference between a smooth buyout and costly surprises. At **Mortality Manifest**, we specialize in **accurate, automated, and efficient data solutions** to ensure schemes and insurers are transaction-ready. Want to discuss how we can help? **Get in touch today.**   Share on: [Share on LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https://www.mortalitymanifest.co.uk/crbg-ltd-blog/in-case-you-missed-it-the-impact-of-poor-pension-data-on-endgame-planning) Tags: [Functional Functional Always active The technical](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/functional-functional-always-active-the-technical-) [Marketing Marketing](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/marketing-marketing) [Preferences](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/preferences) [Marketing Marketing The technical storage or acces](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/marketing-marketing-the-technical-storage-or-acces) [Statistics Statistics The technical storage or acc](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/statistics-statistics-the-technical-storage-or-acc) [Statistics Statistics](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/statistics-statistics) [Preferences Preferences](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/preferences-preferences) [Functional Functional Always active](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/functional-functional-always-active) [Functional](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/functional) [Statistics](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/statistics) [Preferences Preferences The technical storage or a](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/preferences-preferences-the-technical-storage-or-a) [Marketing](https://www.mortalitymanifest.co.uk/crbg-ltd-blog/tag/marketing) You may also like ![](https://www.mortalitymanifest.co.uk/hs-fs/hubfs/AdobeStock_486337610.jpeg?width=630&name=AdobeStock_486337610.jpeg) ![](https://www.mortalitymanifest.co.uk/hs-fs/hubfs/AdobeStock_486337610.jpeg?width=630&name=AdobeStock_486337610.jpeg) Aug 3, 2023, 2:15:00 PM The Pension Dashboard and MM: Improving Efficiency and Member Experience ![](https://www.mortalitymanifest.co.uk/hs-fs/hubfs/AdobeStock_1173644690.jpeg?width=630&name=AdobeStock_1173644690.jpeg) ![](https://www.mortalitymanifest.co.uk/hs-fs/hubfs/AdobeStock_1173644690.jpeg?width=630&name=AdobeStock_1173644690.jpeg) Jul 29, 2025, 4:30:00 PM Changes in the BPA Market: Small Schemes Take the Lead ![MM-Logo-Design-Warm-Neutral-RGB-1-e1686573508631](https://www.mortalitymanifest.co.uk/hs-fs/hubfs/MM-Logo-Design-Warm-Neutral-RGB-1-e1686573508631.png?width=150&height=140&name=MM-Logo-Design-Warm-Neutral-RGB-1-e1686573508631.png "MM-Logo-Design-Warm-Neutral-RGB-1-e1686573508631") Data clarity, confidence, and compliance. 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