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Death, and when it will come calling, is one of those taboo subjects that is enough to send many of us coughing squeamishly into a corner or reaching for a glass of our favourite single malt to make it all go away.
The reaper comes to all of us, though, and how long we live in our retirement, how to get the best income in our old age — not to mention what to do with granny or grandpa if they can no longer care for themselves — can be a complex and expensive business.
In the corporate world, it can also represent a large financial headache if your business is labouring under the weight of an expensive defined benefit pension scheme and the