The way we work is changing and has an impact on people’s ability to earn a reliable income and save for retirement. There is a need to support the workforce with reskilling, mental health prevention and modern income protection and pension solutions. COVID-19 has made this more pressing than ever, and the recovery process is shaping the agenda for a new social contract. Zurich/Oxford’s May 2021 report ‘Shaping a brighter future of work: Global and local market insights’ provides insights and recommendations for the challenges ahead.