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Most fathers have no life insurance

More households at risk of financial difficulty.

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Retired homeowners not accessing property wealth

6 in 10 over-50s don’t plan to move house.

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Working pensioners pay £8.6bn in income tax

17% of people work past state pension age.

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Small firms unprepared for disruption

Missed payments and losing key staff among most common threats.

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Retirees take cautious approach to drawdown

Pensioners draw down 31% of wealth on average.

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