Joseph Lu heads a multidisciplinary team of actuaries, statisticians, scientists and programmers to manage the risk of people living longer than expected, commonly called longevity risk, with Legal & General, one of the UKs leading annuity providers. His team is responsible for future longevity projection which is then used in the pricing and capital requirements for Legal & General’s longevity-related business. His work covers insurance products such as Individual Annuities, Insurance pension de-risking solutions such as Pensions Buyouts and Buy-ins as well as Longevity risk solutions. Joseph gained a bio-medical research background from University of Leicester’s College of Medicine, Biological Sciences and Psychology before becoming an actuary. He is active in research & development with the Actuarial Profession which includes being the co-author of 2 prize-winning papers ‘Longevity in the 21st Century’ and ‘Two Dimensional Mortality Data: Patterns and Projections’ presented to the Institute and Faculty of Actuaries. He has been voted Life Actuary of the Year by the actuarial community through the Actuarial Post. He has been working with the Longevity Science Advisory Panel, bringing together experts from various disciplines to understand the implication of scientific development on longevity. He has been focusing on longevity risk issues over the last 10 years.