Hughes v Royal London decided in February
Part of Saga/Tilney Bestinvest joint venture
Nine default funds from major providers examined
Rising state pension age leaves many at risk of losing out
Third of 35-44-year-olds paying for 'here and now'
Just 26% plan to downsize
George Osborne replaced by Philip Hammond
Knock-on effects are starting to be felt
HMRC data shows IHT receipts more than doubling in five years