Millions of employees are now saving for their retirement thanks to auto-enrolment. We explain what it is and how it works.

Here are some of the changes that experts think should happen to auto-enrolment rules, and who they would benefit most.

This letter, seen by FT Adviser, read: “The Letter of Authority process is important to Scottish Widows and I do not apologise for insisting it is followed strictly.

Over the next few months, FT Adviser is embarking on a letter-writing campaign to get constituency MPs raising the issue of conditional selling in Prime Minister’s Questions.