From far-reaching reforms to customer vulnerability, we’ve brought together research papers from Just and external experts to help support your understanding of the retirement income market, and the challenges those operating in it face.

New norm or epidemic? Latest DWP figures highlight scale of early access to pensions

The Latest DWP data shows that 71% of those taking flexible payments from pensions were below State Pension age. Meanwhile, 63% of all money withdrawn has been by people younger than State Pension age. Just Group says figures raise concerns about pension sustainability. Click here to find out more.

A quarter of pensioners unaware of potential State Pension boost from filling National Insurance gaps

National Insurance credits can be claimed for periods of unemployment, sickness or caring responsibilities to fill gaps. People can also pay to backfill National Insurance gaps from the previous six tax years to increase their State Pension income. Click here to find out more.

Two-thirds of adults unaware of State Pension deferral option

Only one in 10 adults aged 66-75 say they delayed receiving the State Pension. Key drivers cited to be the higher income later on, no need to claim the money immediately or still in work. Click here to find out more.

Nearly 1 in 2 prioritise guaranteed income from their pension in retirement over flexibility

New data from the DWP shows strong demand for annuities following record sales of £7 billion in 2024, up 34% on the previous year. Click here to find out more.

Number of over-65s living alone in the UK rises by more than one million in a decade, Just Group finds

• Number of over 65s living alone rose from 5 million to 4.6 million in the last ten years
• Two in five women aged 65 and over are living alone, compared to 27% of men, and
• Older people most frequently hit by 'singles premium'.

Click here to find out more. 

Only one in five ‘boomers’ say leaving an inheritance is a key retirement goal

Spending time with friends and family and travel top list of Baby Boomers’ goals. Only 20% aged 60-78 said leaving an inheritance was a top-five retirement priority. Click here to find out more.

94% of State Pension Age adults view State Pension as
an ‘entitlement’

Majority of adults aged 66+ say that Triple Lock is affordable and fair to older generations, around one in seven rely on the State Pension to provide over 90% of retirement income. Click here to find out more.

Adventurers at Any Age: The Bold Travel Tastes of Gen X
and Booomers 

Travel preferences of Gen X and Baby Boomers defy the stereotypes, with a strong sense of wanderlust and taste for adventure. Click here to read the article. 

One in three annuities bought by ‘zombie buyers’ failing to
shop around

35% of adults aged over 50 bought their annuity from the same provider they saved with and 33% said that they did not compare rates between different providers. The gap between the best and worst standard rates on guaranteed income for life widened at the start of 2025 to more than £400 a year on a £50k purchase. Click here to find out more.

Just Group Care Report 2024 - Groundhog Day

The latest edition of Care Report: Groundhog Day, provides key insights into the challenges of social care funding. It highlights the need for clients to plan ahead. Read the full report here.