Divorce Insurance

離婚保險(xiǎn)

Ending a marriage is horrid. Insurance might ease the pain

離婚是可怕的，保險(xiǎn)可能緩和痛苦

　　Divorce, like any other risk, can be priced and packaged. With half of all marriages doomed to fail, even the moderately hardheaded may be interested in ways of mitigating the danger.

　　離婚，像其他任何冒險(xiǎn)投資一樣，可以標(biāo)價(jià)與打包。由于所有的婚姻中，一半都注定失敗，甚至溫和的不感情用事者也可能對(duì)減少危險(xiǎn)的方法感興趣。

　　So hopes ARAG, a German-based insurance firm. From September it will offer a kind of divorce insurance that will pay out if English prenuptial agreements are subject to a legal challenge. Such policies are already common in some continental European countries such as Germany and Spain, and are offered by some American employers as a perk. But they are so far unknown in Britain, chiefly because prenuptial agreements have had little legal force in English law (Scotland’s legal system is separate). Judges have traditionally given much greater weight to circumstances at the end of the marriage than to any agreements made at the start.

　　所以，像德國(guó)保險(xiǎn)公司ARAG所希望的那樣。從九月開始，它將提供一種離婚保險(xiǎn)，它將為那些受法律挑戰(zhàn)支配的英國(guó)婚前協(xié)定付費(fèi)。像這樣的策略在歐洲大陸國(guó)家，例如德國(guó)和西班牙，已是正常，同樣一些美國(guó)雇主也會(huì)將此作為額外津貼發(fā)給員工。然而，到目前為止，這些策略在英國(guó)還是不被人知的，主要是因?yàn)檫@些婚前協(xié)議在英國(guó)法律(蘇格蘭法律除外)面前是幾乎沒有法律效力的。傳統(tǒng)上，比起婚前的任何協(xié)議，法官們對(duì)婚姻結(jié)束時(shí)的事項(xiàng)給予了更多的重視。

　　That changed in October last year, when a Supreme Court ruling upheld a German heiress’s prenup against a challenge from her ex-husband, who claimed he hadn’t realised that it was unfairly one-sided when he signed it. The Law Commission, which helps Parliament tidy up legislation, is currently looking into a statutory framework for prenuptial agreements.

　　去年十月這種情況改變了，當(dāng)最高法院規(guī)定支持德國(guó)的一名女繼承人的婚前協(xié)議而反對(duì)她前夫的質(zhì)疑。她前夫聲稱他在簽署婚前協(xié)議時(shí)他沒有意識(shí)到這是不公正的片面的。幫助國(guó)會(huì)修整法規(guī)的法律委員會(huì)，當(dāng)前正在為婚前協(xié)議尋找法律框架。

　　The new insurance is hedged with conditions. It starts paying out if the prenup is challenged in court – so the company’s profit will come from making that unlikely. Only solicitors vetted by the insurers can draft the deals; the prenups must be updated regularly and when circumstances alter (through childbirth, inheritance or changes in earning power, for example). So far two legal firms have signed up: the upmarket Mishcon de Reya, and Prolegal, a commercially minded new entrant.

　　新的保險(xiǎn)受到各種條件的束縛。如果婚前協(xié)議在法庭中受到質(zhì)疑，公司則開始為顧客賠償，因此公司只有使這種情況不要發(fā)生才能盈利。只有通過(guò)審查的初級(jí)律師才能起草協(xié)議;當(dāng)客觀環(huán)境發(fā)生變化的時(shí)候(比如孩子出生，繼承或賺錢能力的改變)，婚前協(xié)議必須定期地升級(jí)。到目前為止，只有兩家法律公司簽署了合同：高級(jí)的Mishcon de Reya和一個(gè)商業(yè)上有思想的新參與者Prolegal。

　　The cover will range from £50,000 to £500,000, says ARAG, with annual premiums from £500, depending on the scope of the policy and the priciness of the lawyers. The bare-bones version is simply an indemnity for the cost of a challenge to the prenup; elaborate policies will include other expenses such as mediation and, if that fails, the cost of a contested divorce.

　　ARAG說(shuō)費(fèi)用將會(huì)從5萬(wàn)歐元到50萬(wàn)歐元，年度保險(xiǎn)費(fèi)從500歐元起。這取決于保險(xiǎn)單的范圍和律師的費(fèi)用。大體的描述就是對(duì)婚前協(xié)議受質(zhì)疑的花費(fèi)而提供的一個(gè)簡(jiǎn)單賠償;詳細(xì)的策略將包含其他費(fèi)用，比如調(diào)停，以及如果調(diào)停失敗后紛爭(zhēng)離婚的花費(fèi)。

　　Unlike those for car insurance, the premiums are flat rates: the libidinous will pay the same as the uxorious. But an American divorce-insurance company, SafeGuard, is planning a more ambitious product that will pay a big bonus to those who stay married for 25 years. Sounds like a nice wedding present.

　　與那些車險(xiǎn)不同的是，保險(xiǎn)費(fèi)是統(tǒng)一費(fèi)用：好色者與溺愛妻子者將會(huì)付出同樣的代價(jià)。但是，名叫安全保衛(wèi)的一家美國(guó)離婚保險(xiǎn)公司，正計(jì)劃一項(xiàng)更有野心的產(chǎn)品，會(huì)為那些結(jié)婚25年的人支付一大筆紅利。聽起來(lái)像一件不錯(cuò)的結(jié)婚禮物。

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