In a world of rising long-term risks and their ensuing syndromes, the mitigation and financing of long-term risks are therefore arguably some of the most critical issues facing society. However, long-term thinking involving future generations draws limited attention in current political and social systems. Private insurance has received increased attention due to its expert role in risk management and its risk transfer mechanisms, and it has played an important role in dealing with some types of long-term risk, such as floods and earthquakes. Increasingly, insurance also contributes to disaster mitigation through regulating the conduct of policyholders by creating incentives for policyholders to counter short-termism and invest in reduction measures regarding long-term risks. In addition, it has been shown that supply-side problems and behavioural anomalies make it difficult to insure against long-term risks. Innovative long-term insurance solutions and a combination of public and private partnerships are proposed to overcome these restrictions.

因此，在长期风险不断上升及其随之而来的综合症的世界中，长期风险的缓解和融资可以说是社会面临的最关键问题之一。然而，在当前的政治和社会体系中，涉及子孙后代的长期思考引起的关注有限。私人保险因其在风险管理方面的专家作用和风险转移机制而受到越来越多的关注，在应对洪水、地震等一些长期风险方面发挥了重要作用。保险还越来越多地通过规范保单持有人的行为，激励保单持有人抵制短期主义并投资于减少长期风险的措施，从而为减灾做出贡献。此外，事实证明，供给侧问题和行为异常导致难以防范长期风险。建议采用创新的长期保险解决方案以及公共和私人合作伙伴关系的结合来克服这些限制。