长寿风险是指个人实际寿命高于预期寿命产生的财务风险。长寿风险给保险公司同时带来了新的挑战与机遇。近年来西方保险公司推出了各种应对长寿风险的创新解决方案,包括附保证变额年金、长期护理保险、反向抵押贷款和长寿风险证券化,对我国具有借鉴意义。本文从保险公司的新视角系统梳理了这四种创新方案,并对其优缺点和适用条件进行了比较分析。 Longevity risk refers to the individual’s actual life expectancy is higher than the financial risk arising from life expectancy. Longevity risks give insurance companies new challenges and opportunities. In recent years, western insurance companies have introduced various innovative solutions to the longevity risks, including variable pension annuity, long-term care insurance, reverse mortgage loan and longevity risk securitization, which have reference significance to our country. This paper systematically reviews the four innovative schemes from the perspective of insurance companies, and compares and analyzes their advantages, disadvantages and applicable conditions.