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Joseph Lu leads a multidisciplinary team of experts to research and develop innovative ways to improve the understanding of the risk of people living longer than expected, commonly called longevity risk. He works for Legal & General, one of the UKs leading annuity providers. 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.