Now before you start reading today’s little missive I must add a cautionary note. If you haven’t reached your thirtieth birthday my words of wisdom will have no relevance in your life and I suggest you just chat amongst yourselves for the next five minutes.

According to the latest research, no doubt funded by the insurance companies who stand to gain by its results, one in five of us currently living in Britain are likely to survive beyond the age of 100. That should mean if purchasing term life insurance your premiums would be lower – which they’re not – and if you are a silver surfer your pension annuity would give you less – which it does….