according to reinsurer Swiss Re. How can this gap be closed?

根據再保險公司瑞士再保險的數據。如何彌補這一差距？

Joining me is Candy Yuen from HSBC Insurance Hong Kong.

跟我一起來的是香港匯豐保險的袁糖果。

Candy, it's a big question, but what can be done?

糖果，這是一個很大的問題，但有什麼辦法呢？

Candy Yuen: Yes indeed.

袁詠儀是的，確實如此。

The mortality gap in Hong Kong per working person with dependents is ranked the second

香港有受撫養人的在職人士人均死亡率差距排名第二。

highest in Asia.

亞洲最高。

According to our own study, more than three in five people with self-paid cover do not

根據我們自己的研究，超過五分之三的有自費保險的人並沒有。

know the actual pay-out from the policies, or they don't think that it's enough.

知道保單的實際賠付，或者他們認為這還不夠。

The coverage is not only about protecting your loved ones when you die; we also need

保障不僅僅是在您去世時保護您的親人，我們還需要......。

to consider coverage for critical illness, or outliving your savings at retirement.

要考慮重疾保險，或在退休時用完積蓄。

So we also have to think about protection in a holistic manner.

所以我們也要綜合考慮保護問題。

At HSBC, we're committed to address this mortality gap issue, by creating the awareness

在匯豐，我們致力於解決這一死亡率的差距問題，通過建立意識，使我們的客戶能夠了解我們的產品和服務。

and also offering the right products.

並且還提供合適的產品。

We launched the HSBC Retirement Monitor last year, to help people plan for retirement,

我們去年推出了 "匯豐退休監測"，幫助人們規劃退休生活。

and we also launched, for example, a comprehensive critical illness plan, and a term online product

並且我們還推出了，比如說綜合重疾計劃，還有一個定期在線產品

– what we call the HSBC Term Protector.

- 我們稱之為 "匯豐定期保護計劃"。

A very simple term online that you can buy within five minutes, without any need for

一個非常簡單的術語，你可以在五分鐘內買到，不需要任何的網上

medical underwriting.

醫療承保。

World Finance: As you say, you have launched this retirement planning tool – an award

世界金融。正如你所說，你推出了這個退休計劃工具--一個獲獎的工具

winning retirement planning tool – tell me more; how does it work?

勝利的退休計劃工具--告訴我更多；它是如何工作的？

Candy Yuen: So it's basically to answer the fundamental question: how much do I need,

袁糖果。所以它'基本上是要回答一個基本問題：我需要多少錢。

when I retire in Hong Kong?

當我在香港退休後？

And we try to give how much you need for basic retirement life, comfortable, and affluent

而我們儘量給你基本的退休生活，舒適，富裕所需要的多少。

retirement life.

退休生活。

Based on real data, statistics, and analytics on retirees' consumption behaviours.

基於對退休人員&#39；消費行為的真實數據、統計和分析。

So a single person retiring needs about $3,000 per month, as their expenditure for a comfortable

是以，一個退休的單身人士每月需要3000元左右，作為他們的支出，以獲得舒適的生活。

retirement.

撤出。

So: think about that.

所以：想一想。

The average woman's life expectancy is about 86 years.

女性的平均壽命約為86歲。

So if you want to retire at 60 years old, you have 26 years needing $3,000 per month:

所以如果你想在60歲退休，你有26年的時間，每月需要3000元。

even if you exclude inflation you're talking about a million US dollars that you have to plan.

即使你排除通貨膨脹，你'說的是一百萬美元，你必須計劃。

When you start having these conversations, then you start to understand: wow, you know,

當你開始進行這些對話，那麼你就會開始明白：哇，你知道。

I do need to start planning, perhaps now in my 30s, rather than in my 50s.

我確實需要開始規劃，也許現在30多歲，而不是50多歲。

So having this awareness, to start planning –

所以，有了這個意識，就要開始規劃--------。

or at least having the conversation earlier – definitely helps.

或者至少是早一點進行對話--絕對有幫助。

World Finance: But is consumer behaviour changing?

世界金融。但消費者的行為是否在改變？

Are people saving more?

人們的儲蓄多嗎？

Candy Yuen: I think people start to at least be aware that this is a problem, or a challenge that

袁糖果。我覺得人們至少開始意識到這是一個問題，或者說是一個挑戰。

they can’t just hide from.

他們不能只是躲避。

Because people in Hong Kong do care deeply about savings for retirement.

因為香港人確實非常關心退休後的儲蓄問題。

The last thing they want is to create a financial burden for their kids or their loved ones.

他們最不希望的就是給孩子或親人造成經濟負擔。

However, not every one of us knows exactly how to prepare for retirement, and exactly

然而，並不是我們每個人都知道如何為退休做準備，以及具體的

how much we need to save for retirement and starting from when.

我們需要為退休儲蓄多少錢，從什麼時候開始。

So those are the questions that people are struggling with.

所以，這些都是大家所苦惱的問題。

Because you either start saving earlier, and more disciplined.

因為你要麼更早開始存錢，更有規律。

Or you have to adjust your realistic assumption,

或者你必須調整你的現實假設。

what kind of retirement lifestyle you’ll be having.

你會有什麼樣的退休生活方式。

World Finance: What particular challenges do you face understanding and communicating

世界金融。你們在理解和交流方面面臨哪些特別的挑戰？

with modern consumers?

與現代消費者?

Candy Yuen: Nowadays I think digital becomes an integral part of our daily lives.

Candy Yuen。現在我覺得數碼已經成為我們日常生活中不可或缺的一部分。

Absolute relevance is the only entry point.

絕對的相關性是唯一的切入點。

Because if you think about it, how many irrelevant messages do you get every day?

因為如果你仔細想想，你每天會收到多少無關的資訊？

So, getting a better understanding in terms of how people behave, and how people think.

所以，從人們的行為方式，以及人們的思維方式方面，得到更好的理解。

What clicks with them.

是什麼打動了他們。

It's absolutely critical.

這是絕對的關鍵。

At HSBC we invest heavily in customer analytics, big data, customer insight.

在匯豐銀行，我們在客戶分析、大數據、客戶洞察方面進行了大量的投資。

We regularly commission a study on understanding online behaviours of our target segments,

我們定期委託研究，瞭解目標群體的在線行為。

and also the broader market segments as well.

也是更廣闊的細分市場。

Because through this we can actually develop products that are most relevant, and also

因為通過這樣的方式，我們其實可以開發出最有針對性的產品，也是

create and add value to our customers.

為我們的客戶創造和增加價值。

And in this way we aim to develop the right products, and provide them at the right time,

通過這種方式，我們的目標是開發合適的產品，並在合適的時間提供。

and via the right channel, as well.

並通過右側通道，以及。

Because nowadays with digital technology advancement we have new media,

因為現在隨著數字技術的發展，我們有了新的媒體。

new platforms to interact with our customers.

與客戶互動的新平臺。

And so that's why we are crazy and passionate about this customer-centricity approach.

所以，這就是為什麼我們對這種以客戶為中心的方法充滿了瘋狂和激情。

Because only then we can win the hearts and the minds of our customers.

因為只有這樣，我們才能贏得客戶的心。

World Finance: Candy; thank you.

世界金融。糖果；謝謝你。

Candy Yuen: Thank you.

袁詠儀謝謝你了

Thanks for watching.

謝謝你的觀看。

You can find out more about effective retirement planning at www.worldfinance.com.

你可以在www.worldfinance.com 瞭解更多關於有效的退休規劃。

And please subscribe for more pensions and insurance news, as well as all the latest

請訂閱更多的養老金和保險新聞，以及所有最新的消息。

insights from World Finance.

世界金融》的見解。