4 November 2025
London, 29 October 2025 — Club Vita, the independent longevity data analytics company urges holistic approach to State Pension Age review and has called for certainty for future generations of retirees.
“Predictability and transparency are essential for public confidence,” said Jill Jamieson, Head of Pensions at Club Vita. “People need clear information to plan for retirement effectively.”
The report proposes setting out a clear, long-term roadmap for future State Pension age increases. Under the Government’s existing 2:1 approach – reflecting their view that for every 2 years of adult life up to State Pension age, individuals should spend a maximum of 1 year in receipt of State Pension – this could be as simple as increasing State Pension age by one year per decade to mirror long-term trends in life expectancy. This would provide predictability for all working generations and avoid the volatility of automatic adjustment mechanisms.
Determining the appropriate time to introduce such a roadmap is a central consideration for the review. Significant increases to the State Pension age for younger generations may be difficult to implement until improvements in population health are achieved.
Steven Baxter, Head of Longevity Innovation, noted: “State Pension is an intergenerational social insurance contract. But health disparities mean the most disadvantaged are least likely to reach State Pension age. Until we narrow these inequalities, increasing SPA risks being a false economy as we simply shift the outgo from State Pension to working-age welfare benefits.”
For the full report and recommendations, visit: Third State Pension age review
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.