经济学人下载:离婚保险,可能缓和痛苦

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.

去年十月这种情况改变了，当最高法院规定支持德国的一名女继承人的婚前协议而反对她前夫的质疑。她前夫声称他在签署婚前协议时他没有意识到这是不公正的片面的。帮助国会修整法规的法律委员会，当前正在为婚前协议寻找法律框架。

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。

新的保险受到各种条件的束缚。如果婚前协议在法庭中受到质疑，公司则开始为顾客赔偿，因此公司只有使这种情况不要发生才能盈利。只有通过审查的初级律师才能起草协议；当客观环境发生变化的时候（比如孩子出生，继承或赚钱能力的改变），婚前协议必须定期地升级。到目前为止，只有两家法律公司签署了合同：高级的Mishcon de Reya和一个商业上有思想的新参与者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说费用将会从5万欧元到50万欧元，年度保险费从500欧元起。这取决于保险单的范围和律师的费用。大体的描述就是对婚前协议受质疑的花费而提供的一个简单赔偿；详细的策略将包含其他费用，比如调停，以及如果调停失败后纷争离婚的花费。

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.

与那些车险不同的是，保险费是统一费用：好色者与溺爱妻子者将会付出同样的代价。但是，名叫安全保卫的一家美国离婚保险公司，正计划一项更有野心的产品，会为那些结婚25年的人支付一大笔红利。听起来像一件不错的结婚礼物。