Buy-in and Buy-out Support

Services for a smoother, safer pension transition

Dalriada.Together’s buy-in and buy-out services provide a structured, transparent approach to transferring pension liabilities from employer management to insurer care. We have in-house specialists that have many years of experience in buy in/buy out (also known as risk transfer), who have direct access to key contacts at all of the main insurers.

Whether you are taking the first steps with a buy-in or progressing towards a full buy-out, we guide you through the process, ensuring a smooth transition that secures members’ benefits while reducing your ongoing obligations.

With expertise, advanced technology, and strong industry relationships, we help you navigate each stage with confidence, delivering clear communication, strategic insights, and exceptional value.

How a Buy-In benefits you

How Dalriada.Together Supports Your Buy-In

We work closely with our specialist panel of risk settlement advisors to identify the best insurer for your scheme, ensuring a competitive and tailored solution. Our team manages the complex data preparation, ensuring that member records are accurate and complete - helping you secure the best possible premium and avoid unnecessary costs.

For smaller schemes, buy-ins can sometimes seem financially out of reach due to higher insurer premiums. Dalriada.Together leverages its industry relationships and purchasing power to secure better pricing, often enabling smaller schemes to negotiate more competitive rates. This approach ensures that schemes of all sizes can access affordable buy-in solutions.

• Market Expertise – We help you navigate insurer selection, ensuring alignment with your scheme’s needs.
• Data Preparation & Accuracy – Insurers base quotes on data quality. Our rigorous approach ensures your scheme secures optimal pricing.
• Seamless Execution – From negotiations to transition planning, we handle every aspect to keep the process efficient and transparent.

With Dalriada.Together, your buy-in is more than just a transaction, it’s a strategic step toward long-term security and cost efficiency.

The Buy-Out Stage

Once a buy-in is in place, many schemes progress to a buy-out, which fully transfers liabilities to an insurer. At this stage, the insurer assumes full responsibility for administering pensions and making payments to members. For employers, a buy-out represents a complete exit from pension obligations, simplifying governance and providing financial certainty.

How Dalriada.Together supports your Buy-Out

We take the complexity out of the buy-out process, managing each step efficiently while ensuring regulatory compliance.

• Comprehensive Data Governance – Our expertise ensures accurate records, reducing delays and unexpected costs.
• Strong Insurer Relationships – Working closely with our selected panel of risk settlement advisors we are able to negotiate competitive insurer pricing.
• Regulatory & Member Protection – We ensure compliance with all regulatory requirements while safeguarding member interests.

Transparency and Cost Efficiency

We understand that cost certainty is essential when planning a buy-in or buy-out. That’s why we provide:

• Clear Budget Planning – We agree on costs in advance, ensuring no surprises.
• Real-Time Financial Insights – Using our Mantle platform, we provide up-to-date funding status and scenario testing, allowing you to make informed decisions.
• Optimised Market Timing – Our data-driven insights help you identify the best time to secure a buy-in or buy-out, ensuring your scheme capitalises on favourable market conditions.

Ready to Take the Next Step?

Dalriada.Together’s buy-in and buy-out services offer a strategic, cost-effective, and well-supported pathway to transferring pension obligations. With our expertise in data integrity, insurer negotiations, and transparent financial management, we ensure a seamless transition that protects members while providing you with a reliable exit strategy.