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date: 23 August 2019

Abstract and Keywords

The withdrawal of workers from the workforce at a younger age suggests that retirement income is gradually increasing, or that people are being forced out of the labour market. Moreover, life expectancy is constantly increasing. This combination of earlier retirement and longer life expectancy results in a much longer span of inactivity than before, which has to be financed. This has prompted people to make private pension arrangements. This article reviews personal pension products, especially insurance products, and their technical characteristics. It then concerns itself with marketing and distribution of pension products, and with regulatory issues.

Keywords: personal pension, workforce, retirement income, labour market, life expectancy, pension products, early retirement

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