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Longevity risk 长寿风险 My money or your life 我的钱，或者，你的人生 New financial instruments may help to make pensionschemes safer 新的金融工具或许有助于养老金计划更加稳妥 OVER the past 50 years, every forecast of how longpeople will live has fallen short. Despite fears that obesity and global warming would reversethe trend, life expectancy in rich countries has grown steadily, by about 2.5 years a decade, or15 minutes every hour. That is good news for health-care providers, cruise companies andhumanity. It is most unwelcome for those paying the bills to finance this extended lease onlife. 在过去的的五十年间，关于任何人类能活多久的预测相较之前都变短了。尽管人们对于肥胖症以及全球变暖的担心将要扭转这一趋势，在发达国家的平均寿命正在稳步增长大约每过十年便增长2.5岁，或每过一小时增长15分钟。这对卫生保健的供应商、邮轮公司以及人类确实是个好事。不过这对于那些为这个拓展生命的长度而支付账单的人来说却绝对不是什么受欢迎的事情。 Longevity risk, the chance that people will live longer than expected, is potentially veryexpensive. Never mind the dramatic impact of a cure for cancer: adding an extra year to theaverage lifespan increases the world s pension bill by 4%, or around 1 trillion, according to theIMF. | 
