Financial provider VitalityLife has launched a risk tool which it believe will help financial advisers discuss with clients the possibility of dying before retirement.

One of my clients died on Saturday. She died peacefully at home, surrounded by family and loved ones. It was, as far as these things can be, a ‘good death’.

ONS data released today showed a slowing of improvement to mortality rates – a development which could push back the increase of state retirement age, according to Royal London.