Divorce Insurance

離婚保險

Ending a marriage is horrid. Insurance might ease the pain

離婚是可怕的，保險可能緩和痛苦

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，像其他任何冒險投資一樣，可以標價與打包。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減少危險的方法感興趣。

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，像德國保險公司ARAG所希望的那樣。從九月開始，它將提供一種離婚保險，它將為那些受法律挑戰支配的英國婚前協定付費。像這樣的策略在歐洲大陸國家，例如德國和西班牙，已是正常，同樣一些美國雇主也會將此作為額外津貼發給員工。然而，到目前為止，這些策略在英國還是不被人知的，主要是因為這些婚前協議在英國法律(蘇格蘭法律除外)面前是幾乎沒有法律效力的。傳統上，比起婚前的任何協議，法官們對婚姻結束時的事項給予了更多的重視。

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，當最高法院規定支持德國的一名女繼承人的婚前協議而反對她前夫的質疑。她前夫聲稱他在簽署婚前協議時他沒有意識到這是不公正的片面的。幫助國會修整法規的法律委員會，當前正在為婚前協議尋找法律框架。

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.

新的保險受到各種條件的束縛。如果婚前協議在法庭中受到質疑，公司則開始為顧客賠償，因此公司只有使這種情況不要發生才能盈利。只有通過審查的初級律師才能起草協議;當客觀環境發生變化的時候(比如孩子出生，繼承或賺錢能力的改變)，婚前協議必須定期地升級。到目前為止，只有兩家法律公司簽署了合同：高級的Mishcon de Reya和一個商業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說費用將會從5萬歐元到50萬歐元，年度保險費從500歐元起。這取決于保險單的范圍和律師的費用。大體的描述就是對婚前協議受質疑的花費而提供的一個簡單賠償;詳細的策略將包含其他費用，比如調停，以及如果調停失敗后紛爭離婚的花費。

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.

與那些車險不同的是，保險費是統一費用：好色者與溺愛妻子者將會付出同樣的代價。但是，名叫安全保衛的一家美國離婚保險公司，正計劃一項更有野心的產品，會為那些結婚25年的人支付一大筆紅利。聽起來像一件不錯的結婚禮物。

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