Adopting features from the US and New Zealand pensions system could encourage savings in the UK, it has been claimed.
Legal and General claims that many people in the UK do not want to put money into a pension fund because they cannot access it until they reach at least 55.
However, in the US and New Zealand, some pension schemes allow people to remove their cash before then under certain circumstances.
Adrian Boulding, the firm's wealth policy director, said: "Our research shows that allowing controlled early access to pension fund money would be popular and increase both the breadth and depth of pensions coverage in the UK."
The government should introduce incentives such as this to make sure that pensions uptake is as high as possible, he added.
Earlier this month, Colin Williams, executive director of defined contribution business at Fidelity International, urged the trustees of pension funds to maintain regular contact with their members in order to let them know how their money is performing.




