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기대수명에 해당되는 글 3건

  • 2019.03.05 나이 먹을 수록 더 오래 살 것이라고 생각한다
  • 2019.03.02 2백년간 인간의 수명은 두배로 늘었다
  • 2018.11.18 세계에서 가장 수명이 긴 나라는 일본이 아니라 스페인!
5MAR

글

나이 먹을 수록 더 오래 살 것이라고 생각한다

연금시장 2019. 3. 5. 00:11

다양한 연령대의 사람들이 자신의 여명이 얼마일지에 대하여 오판하고 있다. 평균적으로 50대와 60대의 경우 자신이 75세까지 살 확률이 약 20%이고 85세까지 살 확률이 5%에서 10%라고 과소평가하고 있다. 분석에 따르면, 65세 때 인터뷰 한 1940년대에 태어난 남성의 경우 75세까지 생존할 확률을 65%라고 봤는데, 이는 공식적인 확률인 83% 보다 훨씬 낮았다. 여성도 마찬가지로, 객관적 수치인 89% 보다 낮은 65%를 예상했다.

이 연구는 IFS(Institute for Fiscal Studies)의 연구자들은 개인들이 예상하는 기대여명을 Office for National Statistics의 공식 생존율과 비교한 결과이다.

이 분석이 중요한 이유는 더 많은 사람들이 살아있는 동안 자신의 은퇴 생활에 필요한 소득을 만들어야 하기 때문이다. “50대, 60대 및 70대에 여명을 너무 짧게 예상하면 실제 생존기간 동안 쓸 돈을 빨리 쓸 수 있다.”라고 IFS의 경제학자이자 보고서 작성자인 David Sturrock는 말한다. 반면에 최고령대임에도 여명을 과대 평가하는 사람들은 여생이 얼마남지 않았음에도 남은 재산을 소비하는 것을 지나치게 꺼리는 경향이 있다. 여명을 잘못 판단하면 은퇴생활의 수준이 낮아질 위험이 있다.

60세의 미망인과 홀아비를 포함하는 일부 그룹은 여명에 대해 다른 사람들보다 더 짧게 예상했다. 80세까지 생존할 수 있는 객관적인 확률은 각각 77%와 67%였지만, 이 그룹의 응답은 49%와 39%로 상당한 차이를 보였다. 이는 미망인과 홀아비들은 은퇴 소득을 조기에 소진하기 쉽다는 것을 뜻한다. 반대로, 70대와 80대 노령자들은 평균적으로 90세 이상으로 살 가능성에 대해 지나치게 낙관적인 것으로 나타났다. 따라서 이들은 훨씬 더 오래 살 것을 예상해서 너무 적게 소비하게 된다.

최근의 정책 변화로 인해 퇴직후 소득을 제공하는 종신연금상품의 판매가 침체되었다. 대신, 55세 이상의 대부분 사람들은 퇴직소득을 현금 저축계좌 또는 주식시장 기반의 인출 프로그램(drawdown plan)에 넣어서 퇴직후 생애소득을 조달하고자 한다. 연금사업자 AJ Bell의 선임 분석가인 Tom Somby는 다음과 같이 말한다.

"기대여명을 과소 평가하면 일찍 은퇴자산을 소비할 위험이 있다. 연금강제 전환 폐지(pension freedom)로 사람들이 퇴직자산을 낭비했다는 명백한 증거는 없지만, 몇몇 사람들은 비용을 차감한 실질수익률이 5%로 예상됨에도 매년 10% 이상을 인출하고 있다. 기대여명에 대한 과소 평가, 은퇴자산의 투자수익에 대한 과대 평가와 과잉 지출은 은퇴자들의 미래에 대재앙이 될 것이다."

 

 

 

출처 : https://www.ft.com/content/0c48590c-4170-11e8-803a-295c97e6fd0b

 


Older Britons pay the price for underestimating lifespans
  
     Josephine Cumbo
  
     April 17, 2018
   
   

What does the chart show?

It shows the extent to which people in various age groups are misjudging how long they are likely to live.On average, those aged in their 50s and 60s underestimated their chances of survival to age 75 by about 20 percentage points and to 85 by around 5 to 10 percentage points.According to the analysis, men born in the 1940s who were interviewed at age 65 reported a 65 per cent chance of making it to age 75, far lower than the official estimate of 83 per cent. For women, the equivalent figures were 65 per cent and 89 per cent.

How was the work carried out?

Researchers from the Institute for Fiscal Studies, a think-tank, compared individuals’ reported expectations of survival with official survival rates from the Office for National Statistics.

Why is this analysis important?

It matters chiefly because many more people are shouldering responsibility for making their retirement income last as long as they live. “When people underestimate their chances of surviving through their fifties, sixties and seventies they may save less during their working life, and spend more in the earlier years of retirement than is appropriate given their actual survival chances,” says David Sturrock, an IFS research economist and author of the report.“In contrast, people who overestimate their survival chances at the oldest ages may show an undue reluctance to spend their remaining wealth near the end of life. By misjudging their longevity, individuals risk having a lower standard of living in retirement than would otherwise be possible.”

What else did the analysis find?

Some groups were gloomier than others about their survival chances, including widows and widowers at age 60. While their official chances of surviving to age 80 were 77 per cent and 67 per cent respectively, responses from these groups found they thought they had a 49 per cent and 39 per cent chance of reaching 80 — a huge gulf in both cases.This implies that widows and widowers could be more prone to prematurely exhausting their retirement income.Conversely, the analysis found older people in their 70s and 80s were, on average, overly optimistic about the likelihood of living to age 90 and beyond. This could mean they spend too little of their income in the belief it will have to stretch out much longer.

Should policymakers take notice of these findings?

Recent policy changes have led to a slump in sales of annuities — products which provide a secure retirement income for life. Instead, most over-55s choose to put their pension cash into cash savings accounts, or stock market-based “drawdown” plans, where they have to make decisions about how to make their money last.Tom Selby, a senior analyst with AJ Bell, a pension provider, says if large numbers of people significantly underestimate their life expectancy they risk running out of money early.There was no clear evidence that savers were squandering their pension pots in the wake of the pension freedoms, he said. “However, our own research shows a significant minority are making annual withdrawals of 10 per cent or more, with the average person expecting post-charges investment returns of 5 per cent.

“The combination of underestimating life expectancy, overestimating investment returns and overspending could create a perfect storm for future retirees,” added Mr Selby.

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2MAR

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2백년간 인간의 수명은 두배로 늘었다

연금시장 2019. 3. 2. 22:29

인구통계학적 연구에 따르면 19세기 초 세계에서 40년 이상의 기대수명을 가진 나라는 없었다.

세계의 거의 모든 사람들이 극심한 빈곤 속에 살았고, 우리는 의학지식이나 질병에 대한 이해가 거의 없었기에 모든 국가의 선조들은 조기 사망을 준비해야했다.

이후 150년 동안 세계의 일부 지역에서는 괄목할만한 건강 증진이 달성되었다. 국가간 차이가 발생하였다. 1950년에는 유럽, 북미, 호주, 일본 및 일부 남미 지역에서 신생아의 기대수명은 60세를 넘었다. 그러나 그 이외의 지역에서는 신생아는 약 30세 정도 밖에 살 수 없을 것으로 예상되었다. 건강에 있어서 국가간 불평등은 1950년에 가장 극심했다. 노르웨이 사람의 기대수명은 72세였지만 말리는 26세였다. 아프리카 전체의 기대수명은 겨우 36세였기에 다른 지역의 사람들은 이들보다 2배 이상 오래 살 것으로 예상되었다.

아동 사망률의 감소뿐만 아니라 모든 연령대에서 기대여명이 증가함에 따라 기대수명은 연장되었다. 특정 국가에만 국한되어 있을지 몰라도, 이러한 기대수명의 연장은 인류 역사상 최초로 전 인류의 건강 상태를 개선시킨 획기적인 발전이었다. 수천년간 지속되었던 끔찍한 건강 상태가 마침내 종지부를 찍은 것이다.

한편, 1950년 이후에도 세계는 여전히 국가별로 차이가 나는 것처럼 보이지만, 건강 및 다른 많은 측면에서 세계는 급속히 진보했다. 오늘날 세계 대다수 국가의 사람들은 1950년의 가장 부유한 국가의 사람들만큼 오래 살 것으로 예상할 수 있다. 오늘날의 세계의 평균 기대수명은 북유럽을 제외하고는 1950년 어느 나라보다 높습니다.

이 그림은 지난 2세기 동안의 기대수명의 세계사를 요약한다. 1800년경에 신생아는 태어난 곳이 어디이든 기대수명이 짧았다. 1950년 신생아는 운이 좋아 좋은 나라에서 태어났다면 더 오래 살 수 있는 기회가 있었다. 최근 수십 년 동안 세계의 모든 지역이 상당히 진전되었으며, 1950년 최악의 지역이었던 곳이 가장 큰 진전을 이루었다. 1950년의 국가간 차이는 상당히 좁아졌다.

전 세계적으로 기대수명은 30세 미만에서 70세 이상으로 증가했다. 2 세기 동안의 진보 이후 우리는 조상보다 2배 이상 오래 살 것으로 예상 할 수 있다. 그리고 이 진전은 일부 지역이 아니라 전세계 모든 국가에서 우리는 이제 2배 이상 오래 살 것으로 예상할 수 있다.

지난 2세기 동안 건강 측면에서의 국가간 불평등은 놀랄만하게 해소되었다.

 

출처: https://ourworldindata.org/life-expectancy-globally

Twice as long – life expectancy around the world

October 08, 2018 by Max Roser
Our World in Data presents the empirical evidence on global development in entries dedicated to specific topics.

This blog post draws on data and research discussed in our entry on Life Expectancy.

How life expectancy is defined was explained by Esteban in his post "Life Expectancy" – What does this actually mean?

The three maps below show the global history of life expectancy over the last two centuries.1

Demographic research suggests that at the beginning of the 19th century no country in the world had a life expectancy over 40 years.2 Every country is shown in red. Almost everyone in the world lived in extreme poverty, we had very little medical knowledge or understanding of disease burden, and in all countries our ancestors had to prepare for an early death.

Over the next 150 years some parts of the world achieved substantial health improvements. A global divide opened. In 1950 the life expectancy for newborns was already over 60 years in Europe, North America, Oceania, Japan and parts of South America. But elsewhere a newborn could only expect to live around 30 years. The global inequality in health was enormous in 1950: People in Norway had a life expectancy of 72 years, whilst in Mali this was 26 years. Africa as a whole had a life expectancy of only 36 years. People in other world regions could expect to live more than twice as long.

The decline of child mortality was important for the increase of life expectancy, but as we explain in our entry on life expectancy increasing life expectancy was certainly not only about falling child mortality – life expectancy increased at all ages.

Such improvements in life expectancy — despite being exclusive to particular countries — was a landmark sign of progress. It was the first time in human history that we achieved improvements in health for entire populations.3 After millennia of stagnation in terrible health conditions the seal was finally broken.

Now, let’s look at the change since 1950. Many of us have not updated our world view. We still tend to think of the world as divided as it was in 1950. But in health — and many other aspects — the world has made rapid progress. Today most people in the world can expect to live as long as those in the very richest countries in 1950. Today’s global average life expectancy of 71 years is higher than that of any country in 1950 with the exception of a handful in Northern Europe.

The visualization summarizes the global history of life expectancy over the last two centuries: Back in 1800 a newborn baby could only expect a short life, no matter where in the world it was born. In 1950 newborns had the chance of a longer life if they were lucky enough to be born in the right place. In recent decades all regions of the world made very substantial progress, and it were those regions that were worst-off in 1950 that achieved the biggest progress since then. The divided world of 1950 has been narrowing.

Globally the life expectancy increased from less than 30 years to over 70 years; after two centuries of progress we can expect to live more than twice as long as our ancestors. And this progress was not achieved in a few places. In every world region we can now expect to live more than twice as long.

The global inequalities in health that we see today also show that we can do much better. The almost unbelievable progress the entire world has achieved over the last two centuries should be encouragement enough for us to realize what is possible.

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세계에서 가장 수명이 긴 나라는 일본이 아니라 스페인!

보험영업 2018. 11. 18. 00:10

22년후에 가장 장수하는 나라는 일본이 아니라 스페인이 될거랍니다. 2040년의 평균 기대수명(life expectancy)를 추정했더니 일본은 85.7세인데 스페인이 이 보다 높은 85.8세를 기록했네요.

미국 워싱턴대학교의 국제건강연구소(IHME: The Institute for Health Metrics and Evaluation)가 발표한 자료인데, 기대수명은 0세가 평균적으로 몇살까지 사느냐를 말하는 것인데 보험계리학(Actuarial Science) 교과서의 한 챕터를 구성하는 재미있는 추정 기법입니다.

출처 : http://www.healthdata.org/news-release/how-healthy-will-we-be-2040?fbclid=IwAR0JvfgqAj0oJxQh1giJJoNE_Ze-s6y8_oSpZ6n7nb2BkATisLLD3oU--KQ

 

How healthy will we be in 2040?


Originally posted October 16, 2018.

 

New health forecasting study: In ‘worse' scenario, half of all nations could face lower life expectancies

‘Better scenario’ finds nearly 50 nations gaining 10 years or more in lifespans

Large shift expected in premature death from communicable to non-communicable diseases and injuries

Huge potential to influence health through tackling high blood pressure, obesity, tobacco, alcohol, and air pollution

 

SEATTLE – How healthy will we be in 2040?

A new scientific study of forecasts and alternative scenarios for life expectancy and major causes of death in 2040 shows all countries are likely to experience at least a slight increase in lifespans. In contrast, one scenario finds nearly half of all nations could face lower life expectancies.

The rankings of nations’ life expectancies offer new insights into their health status.

For example, China, with an average life expectancy of 76.3 years in 2016, ranked 68th among 195 nations. However, if recent health trends continue it could rise to a rank of 39th in 2040 with an average life expectancy of 81.9 years, an increase of 5.6 years.

In contrast, the United States in 2016 ranked 43rd with an average lifespan of 78.7 years. In 2040, life expectancy is forecast to increase only 1.1 years to 79.8, but dropping in rank to 64th. By comparison, the United Kingdom had a lifespan of 80.8 years in 2016 and is expected to increase to 83.3, raising its rank from 26th to 23rd in 2040.

In addition, the study, published today in the international medical journal The Lancet, projects a significant increase in deaths from non-communicable diseases (NCDs), including diabetes, chronic obstructive pulmonary disease (COPD), chronic kidney disease, and lung cancer, as well as worsening health outcomes linked to obesity.

However, there is “great potential to alter the downward trajectory of health” by addressing key risk factors, levels of education, and per capita income, authors say.

“The future of the world’s health is not pre-ordained, and there is a wide range of plausible trajectories,” said Dr. Kyle Foreman, Director of Data Science at the Institute for Health Metrics and Evaluation (IHME) at the University of Washington, and lead author on the study. “But whether we see significant progress or stagnation depends on how well or poorly health systems address key health drivers.”

The top five health drivers that explain most of the future trajectory for premature mortality are high blood pressure, high body mass index, high blood sugar, tobacco use, and alcohol use, Foreman said. Air pollution ranked sixth.


The study is available at www.healthdata.org.

Accompanying collateral materials, including comprehensive listings and supporting data of all nations’ rankings, are available at https://cloud.ihme.washington.edu/index.php/s/AkAfRKXFaKwLpFr


In addition to China, several other nations are expected in 2040 to increase substantially in their rankings in terms of life expectancy, including:

  • Syria is expected to rise most in rank globally – from 137th in 2016 to 80th in 2040 –

likely, according to the authors, due to a conservative model for conflict;

  • Nigeria from 157th to 123rd; and  
  • Indonesia from 117th to 100th

In contrast, Palestine is expected to drop the most in its life expectancy ranking – from 114th in 2016 to 152nd in 2040. Moreover, several high-income nations are forecast to drop substantially in their rankings, including:

  • United States, dropping the most for high-income countries, from 43rd in 2016 to 64th in 2040;
  • Canada from 17th to 27th ;
  • Norway from 12th to 20th ;
  • Taiwan (Province of China) from 35th to 42nd ;
  • Belgium from 21st to 28th ;
  • Netherlands from 15th to 21st  ;

The rankings also find that Spain is expected to place first in the world in 2040 (average lifespan of 85.8 years), a rise from fourth in 2016 (average lifespan of 82.9 years). Japan, ranked first in 2016 (average lifespan 83.7 years), will drop to second place in 2040 (average lifespan 85.7 years).

Rounding out the top 10 for 2040 are:

(3) Singapore (average lifespan 85.4 years) ranked third, as compared to 83.3 years in 2016 and ranking also of third

(4) Switzerland (average lifespan 85.2 years), as compared to 83.3 years in 2016 and ranking of second

(5) Portugal (average lifespan 84.5 years), as compared to 81.0 years in 2016 and ranking of 23rd

(6) Italy (average lifespan 84.5 years), as compared to 82.3 years in 2016 and ranking of seventh

(7) Israel (average lifespan 84.4 years), as compared to 82.1 years in 2016 and ranking of 13th

(8) France (average lifespan 84.3 years), as compared to 82.3 years in 2016 and ranking also of eighth

(9) Luxembourg (average lifespan 84.1 years) as compared to 82.2 years in 2016 and ranking of 10th

(10) Australia (average lifespan 84.1 years), as compared to 82.5 years in 2016 and ranking of fifth.

Among those top 10 nations, even their ‘worse’ scenarios in 2040 remain above 80 years. In stark contrast, the bottom-ranked nations, which include Lesotho, Swaziland, Central African Republic, and South Africa, the “better” and “worse scenarios” in 2040 range from a high of 75.3 years in South Africa (“better” scenario) to a low of 45.3 years in Lesotho (“worse scenario”), a 30-year difference.

“Inequalities will continue to be large,” said IHME Director Dr. Christopher Murray. “The gap between the ‘better’ and ‘worse’ scenarios will narrow but will still be significant. In a substantial number of countries, too many people will continue earning relatively low incomes, remain poorly educated, and die prematurely. But nations could make faster progress by helping people tackle the major risks, especially smoking and poor diet.”

In a “worse” scenario, life expectancy decreases in nearly half of all countries over the next generation. Specifically, 87 countries will experience a decline, and 57 will see an increase of one year or more. In contrast, in the “better” scenario, 158 countries will see life expectancy gains of at least five years, while 46 nations may see gains of 10 years or more.

The future shift toward increased premature mortality from NCDs and injuries and away from communicable diseases is apparent by the changing proportions of the top 10 causes of premature death.

In 2016, four of the top 10 causes of premature mortality were NCDs or injuries; in contrast, in 2040, that number increases to eight. The eight NCD or injury causes in the top ten in 2040 are expected to be ischemic heart disease, stroke, COPD, chronic kidney disease, Alzheimer’s disease, diabetes, road injuries, and lung cancer.

The study is unprecedented in scope, Foreman said, and provides more robust statistical modeling and more comprehensive and detailed estimates of risk factors and diseases than previous forecasts from the United Nations and other population studies institutes.

IHME researchers leveraged data from the Global Burden of Disease (GBD) study to produce forecasts and alternative “better” and “worse” scenarios for life expectancy and mortality due to 250 causes of death for 195 countries and territories.

Researchers produced forecasts of independent drivers of health, including sociodemographic measurements of fertility, per capita income, and years of education, along with 79 independent drivers of health such as smoking, high body mass index, and lack of clean water and sanitation. They then used information on how each of these independent drivers affects specific causes of death to develop forecasts of mortality. 

“The range of ‘better’ and ‘worse’ scenarios enables stakeholders to examine potential changes to improve health systems – locally, nationally, and globally,” Murray said. “These scenarios offer new insights and help to frame health planning, especially regarding long lag periods between initial investments and their impacts, such as in the research and development of drugs.”

In addition to calling attention to the growing importance of non-communicable diseases, the analysis exposes a substantial risk of HIV/AIDS mortality rebounding, which could undo recent life expectancy gains in several nations in sub-Saharan Africa.

Furthermore, while NCDs are projected to rise in many low-income countries, communicable, maternal, neonatal, and nutritional diseases are likely to remain among the leading causes of early death, thereby creating a “double burden” of disease.

The study is entitled “Forecasting life expectancy, years of life lost, and all-cause and cause-specific mortality for 250 causes of death: reference and alternative scenarios for 2016–40 for 195 countries and territories using data from the Global Burden of Disease Study 2016.”

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