According to the research, three in five (61%) had also never requested a free state pension forecast.

The research of 3,001 UK consumers was conducted on behalf of Aviva by Censuswide, in September 2020.

The research from pensions, insurance, and investment provider Aviva came as it launched its new Mid-Life MOT app to help consumers with guidance and support to improve their wealth, work and wellbeing.

The research also showed that fewer than one in ten (7%) of people use apps for retirement planning. This included using pensions calculators and accessing guidance on savings and investments.

Alistair McQueen, head of savings and retirement at Aviva, said: “Much of the debate surrounding Covid-19 has focused on the needs of the youngest and oldest in society and there’s a risk that we overlook the millions in between. Before Covid-19 struck, 45-60 was the fastest growing age group of workers in the UK3 – bringing huge experience, skill and potential to the labour market. However, this age group is also the most likely to be overburdened with wealth, work and wellbeing concerns. 

“Those in mid-life are a resilient age-group, juggling a fuller working life, planning for retirement and contemplating the health implications that come with living longer. It’s vital that we support this age group to ensure they reach their full potential.”