Mortality risk ispooled. If a beneficiary passes away early, he/she typically leaves a portion of unpaid benefits in thepooloffsetting additional benefit payments required by beneficiaries that live longer than expected. As a result, the individual does not bear any longevity risk .

死亡风险是共同承担的。如果受益人提前去世，他/她通常会在资金池中留下一部分未支付的福利，以抵消寿命比预期更长的受益人所需的额外福利支付。因此，个人不承担任何长寿风险。

pool

pool在上文中的中文意思：共同承担。

最近在看一个英文lecture，多次提到risk pooling这个词，对应具体用中文意思就是“风险共担”。

举几个例子:

Risk poolingmeans merging uncorrelated, risky projects as a means to reduce risk. This application of risk pooling has come to be known as the insurance principle.

风险共担意味着合并不相关的、有风险的项目，以此作为降低风险的一种手段。风险共担的这种应用被称为保险原则。

In insurance, the term “risk pooling” refers to the spreading of financial risks evenly among a large number of contributors to the program.在保险业，“风险共担”一词指的是将金融风险均匀地分散在计划的大量缴费者之间。

Risk poolingis the practice of sharing all risks among a group of insurance companies.

风险共担是指在一组保险公司之间分担所有风险的做法。

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