Club Vita Releases New Research on UK Climate Change and Longevity Risk

London, 5 September 2025 — Club Vita, the independent longevity data analytics company, has today published its latest research paper, Still Hot and Bothered?, exploring how climate change could reshape future longevity patterns and pension scheme risks.

Building on its 2018 publication, this new report introduces a refreshed set of longevity scenarios aligned with widely recognised climate pathways, including the IPCC’s RCPs and SSPs, and the NGFS framework. These scenarios are designed to help pension funds, insurers, and reinsurers stress test their risk management plans and better understand the long-term implications of climate change on human health and life expectancy.

The paper highlights how climate-related events—such as extreme heat, air pollution, and food insecurity—could impact mortality trends, with effects varying significantly across socio-economic groups. It also underscores the growing regulatory pressure on pension funds and insurers to integrate climate risk into their governance and decision-making frameworks.

Amy Walker FFA, Client Delivery Lead UK at Club Vita, commented:

“Climate change is no longer a distant threat—it’s a present-day challenge with profound implications for longevity and financial risk. Our updated scenarios offer pension funds and insurers a practical way to explore these uncertainties and prepare for a range of plausible futures. By aligning longevity modelling with climate science, we hope to foster more joined-up thinking across investment, actuarial and sustainability teams.”

The report is available to download at https://www.clubvita.net/uk/news-and-insights/still-hot-and-bothered and aims to support the industry in embedding climate-aware longevity risk management into strategic planning.

Further information:

Amy Walker, Club Vita

Email: [email protected]

Tel: 0141-566-7761

About Club Vita:

Club Vita is an independent longevity data analytics company, which facilitates the accumulation and pooling of data underlying the longevity patterns of retirees with annuity benefits. It works primarily with workplace defined benefit (DB) pension funds and their advisors in the UK, Canada and the US. to help them understand their emerging longevity patterns, to drive more informed strategic decisions and to embed best-practice risk-management into their governance frameworks. It also supports financial institutions that manage longevity risk: insurers, reinsurers and asset managers, helping them offer attractive longevity risk protection products in a tech-enabled, efficient manner. Our current international community consists of over 500 pension funds, 7 pension advisory firms and 40 (re)insurers. Across our three clubs, we are tracking the survival patterns of a diverse population of over five million people with benefits in workplace pension plans.  ​

For further information, please visit www.clubvita.net and follow Club Vita on LinkedIn.