The jargon spouted in much pension advice may be off-putting to many expatriate health insurance customers.
According to Paul Goodwin, head of pensions at Aviva, there is plenty of information available to individuals planning for retirement, but a lot of it is not customer-friendly.
"That all adds to putting up barriers – [people] really don't understand what critical things they need to do to make sure that they save for their retirement," he explained.
In addition, young people are "almost caught between the devil and the deep blue sea" because they have so many financial priorities that it is difficult for them to listen to pension advice.
"A lot of them leave university with a big pile of student debt, a house that they want to buy, a family that they want to build and then you have got to save a load of money for your retirement. For the younger person, how do you prioritise," Mr Goodwin added.
His comments come after MetLife Europe's recent report found almost two-thirds (64 per cent) of over-50s do not know whether they will have the necessary income and savings to fund a comfortable retirement.
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