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　　The impact of different currency options on the Scottish life insurance sector
 
　　This paper from the Institute and Faculty of Actuaries (IFoA) presents an  analysis of the different currency options considered thus far should Scotland  become independent
　　It is written from the perspective of actuarial professionals working in the life insurance sector and draws on recent information provided by a number of sources, including the Fiscal Commission Working Group, the Scotland Analysis Programme and the Bank of England.
 
　　The paper provides further context to the Scottish independence referendum debate, but does not make any recommendation as to which currency option is best suited to an independent Scotland
　　The four options considered are:
　　the creation of a formal Sterling currency union
　　informal retention of Sterling
　　the creation of a new Scottish currency, and
　　formal adoption of the Euro.
 
　　The paper gives a balanced analysis of each of the main options and the likely impact each would have on the life insurance sector, and highlights the advantages and disadvantages of each in turn
　　Commenting on the paper, Martin Potter, Leader of the IFoA's Scottish Board, said:
　　“Today’s IFoA report presents a balanced analysis of each of the main currency options, should Scotland become independent, which have been assessed by both the UK and Scottish Governments. Our report highlights the advantages and disadvantages of each currency option.”
　　For any media enquiries in relation to this paper, please contact Karen Wagg at the IFoA on 07725 558 551 or by emailing Karen.wagg@actuaries.org.uk.
　　Download The impact of different currency options on the Scottish life insurance sector
 
　　Editorial notes
　　About the Institute and Faculty of Actuaries
　　Actuaries provide commercial, financial and prudential advice on the management of a business’s assets and liabilities, especially where long term management and planning are critical to the success of any business venture. They also advise individuals, and advise on social and public interest issues.
　　Members of the IFoA have a statutory role in the supervision of pension funds and life insurance companies. They also have a statutory role to provide actuarial opinions for managing agents at Lloyd’s.
 
　　Members are governed by the Institute and Faculty of Actuaries. A rigorous examination system is supported by a programme of continuing professional development and a professional code of conduct supports high standards reflecting the significant role of actuaries in society.
　　The IFoA is available to provide independent expert comment to the media on a range of actuarial- related issues, including enterprise risk management, finance and investment, general insurance, health and care, life assurance, mortality, and pensions
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