The average man is set to receive £19,000 in income per year after they retire, compared to £12,000 for women, the report by Scottish Widows said.
He added:"The financial services industry must get better at effectively communicating with diverse groups to build trust and ensure that people of all incomes and demographics understand how to save effectively for retirement."
Phil Brown, director of policy at workplace pension provider the People's Partnership, said:"The possibility of a retirement crisis in the next 10 years and beyond will not be averted on its own. Scottish Widows also highlighted a sharp disparity in prospects for people with disabilities, who it said would on average need to manage on around 61% of the typical income of the wider population.
She added:"Life costs a lot more when you're disabled, and planning for retirement is a luxury many cannot afford.
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