Nicky has been providing unbiased advice on the drivers behind changes in longevity and health for the pensions industry in the UK and internationally since 2007. She joined Crystallise in 2024 and has led the longevity consulting since. Nicky works directly with clients to increase their understanding of the medical and socio-demographic elements that impact mortality, morbidity, and longevity risk. A leading mortality and longevity expert, Nicky provides full consulting support to clients from across the insurance spectrum. Nicky has supported clients with underwriting, annuity pricing and product development as well as internal model calibration to fulfil regulatory requirement. Nicky’s background includes a long career in the UK National Health Service, firstly in intensive care, and latterly in Public Health. Nicky is an affiliate member of the Institute and Faculty of Actuaries, (IFoA), Honorary Fellow, and is a member of the IFoA Health and Care Board. Her previous roles within the IFoA have included: chair of the IFoA diabetes working party and chair of the associated steering group to oversee an external research project, co-chair and member of the COVID-19 Actuarial Response Group (ARG) and deputy chair of the IFoA antimicrobial resistance working party Nicky has presented on numerous occasions at industry conferences usually related to providing medical insights to insurers and actuaries. In her spare time Nicky enjoys training for and participating in various physical endurance events.