England will see a 50% rise in the number of those aged 65+ and a 100% increase in those aged 85+ between 2010 and 2030. An ageing society will greatly increase the number of people with long-term health conditions, and health and social care services will need a radically different model of care to support such people. The Government should publish a White Paper before the next general election setting out how our society needs to prepare for a longer life and recommends that whichever party is in Government after the election should, establish two cross-party commissions to respond to the ageing society. One would work with employers and financial services providers to improve pensions, savings and equity release; the other would analyse how the health and social care system and its funding should change to serve the needs of our ageing population. To help address a worsening of the problem of insufficient savings and pensions, people should be able to work later, if they wish to, often in part-time work. Government and the financial services industry must together tackle the serious defects in defined contribution pensions. People may need to use their housing assets to support their longer lives and we to support the growth of a safe, easy-to-understand equity release market, with low fees and high quality standards. Finally, with increasing longevity, our view of old age will have to change, for example: Government and employers should work to end ‘cliff-edge’ retirement.