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| Longevity risk ： ウィキペディア英語版 |
Longevity risk
A longevity risk is any potential risk attached to the increasing life expectancy of pensioners and policy holders, which can eventually translate in higher than expected pay-out-ratios for many pension funds and insurance companies.〔 〕
One important risk to individuals who are spending down savings, is that they will live longer than expected and thus exhaust their savings, dying in poverty or burdening relatives. This is also referred to as "outliving one's savings" or "outliving one's assets."
== Individuals ==
Individuals often underestimate longevity risk – in the United States, most retirees do not expect to live past 85, but this is in fact the median conditional life expectancy for men at 65 (half of 65-year-old men will live to 85 or older, and more women will).
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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