Women are twice as likely as men to be unsure what their main source of income will be in retirement, according to research from Prudential.
The survey of 1,996 over-40s showed 18% of women were in the dark on the source of their retirement income, compared to 9% of men.
This follows The Pension Advisory Service's (TPAS) launch of a survey into the specific areas of retirement saving that affect women the most (PP Online, 4 September).
Prudential's study also found just 46% of couples over the age of 40 have made arrangements to ensure their partner continues to receive a retirement income in the event that one of them dies.
Some 28% of couples have failed to even discuss the effect of death on pension arrangements.
Women were most at risk, with 21% planning to rely on their partner's retirement income, in comparison to 5% of men.
The findings showed 13% of couples questioned relied entirely on their other half's pension provision to keep them financially afloat in retirement.
Some 41% of respondents said they have never talked about how they will turn their pension savings into a retirement income, while 19% have discussed it but could not come to an agreement.
Prudential's retirement expert Vince Smith-Hughes (pictured) said: "Our research shows that even those couples who have discussed their retirement finances have still made decisions that could leave one of them without an income if they outlived their partner."
The study comes in the wake of research from the insurer at the start of the year which showed average retirement income estimates declined 18% to £15,300 over five years (PP Online, 9 January).
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