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1、Insurance离婚保险在美兴起 婚姻果真安全了?nWedLock,as its coyly named,is a new type of casualty insurance that gives the unhappily married policyholder a payout after he or she is unhitched.n 婚姻离婚保险“婚姻保护锁”是一种给婚姻不幸福的投保人离婚后赔偿的新型意外保险。nAfter John Logan watched his wealth follow his marriage down the drain,the Kernersvi

2、lle,N.C.,entrepreneur figured there must be a market for those who want to hedge their marital bets.He wont reveal how many policies hes sold since the August 5 launch of WedLockDivorceI.But hes surprised at how much insurance his customers are buying:some of the premiums are more than$1,000 a month

3、.n 北卡罗来州财务风险企业家约翰罗根表示，他眼睁睁地看着自己的财富随着离婚付之东流，随后他就意识到婚姻离婚保险对自己来说是个不错的商机，因为大部分人在离婚后都想守住自己婚姻财产。他没有透露自8月5号建立婚姻离婚保险网站之后一共接到的保单数。但是他表示已有很多客户购买了保险，甚至有客户每月保额超过1000美元。InsurancenDefinitionnInsurers business model nTypes of insurancenInsurance companies nEffects The definition of insurancenIn law and economics,i

4、nsurance is a form of risk management primarily used to hedge against the risk of a contingent,uncertain loss.Insurance is defined as the equitable transfer of the risk of a loss,from one entity to another,in exchange for payment.保保险险是是一一种种经经济济补补偿偿制制度度，它它通通过过集集合合具具有有同同类类危危险险的的众众多多单单位位或或个个人人，以以合合理理计计

5、算算分分担担金金的的形形式式，实实现现对对少少数数成成员员因因约约定定风风险险事事故所致经济损失或由此而引起的经济需要进行补偿或给付的行为故所致经济损失或由此而引起的经济需要进行补偿或给付的行为。In the economic perspectivenInsurance is a kind of economic behaviornThe insured(被保险者被保险者)：has the risk which need being transferednThe insurer(承保人承保人):spread the risk scientifically科学科学规划分散风险规划分散风险nIns

6、urance is a kind of financial behavior raise funds to allow temporary credit聚集资金加以融通聚集资金加以融通Basic feature One for all,All for one core transfer of risk（风险的转移（风险的转移)sharing of loss(损失的分担损失的分担)essence（本质）（本质）the compensation for the financial lossesInsurers business modelnThe business model can be red

7、uced to a simple equation:Profit=earned premium（保险金）（保险金）+investment income-incurred loss-underwriting expenses（经营保险的花费）（经营保险的花费）Insurers business modelnInsurers make money in two ways:Through underwriting（经验保险业经验保险业）,the process by which insurers select the risks to insure and decide how much in pr

8、emiums to charge for accepting those risks;By investing the premiums they collect from insured parties.Types of insurancenAuto insurance 汽车保险nHome insurance nHealth insurancenAccident,Sickness and Unemployment Insurance nCasualty insurance 意外事故保险nLife insurancenProperty insurancenLiability insurance

9、 债务保险nOther typesLife insurance 人寿保险nLife insurance will pay an agreed sum to someone else,for example your husband or wife,if you die before a certain age.nPeople also use life insurance as a way to save for the future.n人寿保人寿保 险可以为人们解决养老、医疗、意外伤害等各险可以为人们解决养老、医疗、意外伤害等各类风险的保障问题，人们可在年轻时为年老做准备，类风险的保障问题，

10、人们可在年轻时为年老做准备，今天为明天做准备，上一代人为下一代人做准备。这今天为明天做准备，上一代人为下一代人做准备。这样，当发生意外时，家庭可得到生活保障，年老时可样，当发生意外时，家庭可得到生活保障，年老时可得到得到养老金养老金，有病住院可得到经济保障。，有病住院可得到经济保障。Insurance companiesnInsurance companies may be classified into two groups:pLife insurance companies,which sell life insurance,annuities and pensions products.

11、（人寿保险公司）pNon-life,General,or Property/Casualty insurance companies,which sell other types of insurance.（财产保险公司）Reinsurance companynThis is a company that will receive some of the premium and also bear,or take,some of the risk.n再保险公司：指专门从事再保险业务、不直接向投保人签发保单再保险公司：指专门从事再保险业务、不直接向投保人签发保单的保险公司。的保险公司。就是保险公

12、司的保险公司。保险公司为了分散风险，就是保险公司的保险公司。保险公司为了分散风险，把一些大的承保单位再分保给另一保险公司。接受这一保单的公把一些大的承保单位再分保给另一保险公司。接受这一保单的公司就是再保险公司，一般出现在在财险中比较多。司就是再保险公司，一般出现在在财险中比较多。2.it can help societies and individuals prepare for catastrophesEffects1.mitigate the effects of catastrophes on both households and societies 3.It can help in

13、crease foreign exchange receipt and strengthen the capability of international disbursement有利于增加外汇收入，增强国际支付能力有利于增加外汇收入，增强国际支付能力.查看保障查看保障Effect nOn the other hand，it can increase fraud.n资料显示资料显示据有关资料报导保险业发达的美国，当前的保险犯罪仅次于据有关资料报导保险业发达的美国，当前的保险犯罪仅次于毒毒品犯罪品犯罪，仅，仅1994年年医疗保险中的欺诈就导致美国人寿保险公司医疗保险中的欺诈就导致美国人寿保险公

14、司估计估计500 亿美元亿美元的损失。另据日本警方统计，的损失。另据日本警方统计，日本日本以意外伤害、以意外伤害、健康保险实施欺诈的案件，健康保险实施欺诈的案件，1982年为年为600件件，1985年竟高达年竟高达994件件，欺诈金额也激增到，欺诈金额也激增到18.98亿亿日元日元。财产保险中的机动车辆保险常常是不良动机投保主要险种。震惊财产保险中的机动车辆保险常常是不良动机投保主要险种。震惊我国保险界的特大欺诈案犯罪特征最为典型，广东胡氏四兄弟多我国保险界的特大欺诈案犯罪特征最为典型，广东胡氏四兄弟多次到各家保险公司投得机动车辆险，并伪造证明材料，在两年时次到各家保险公司投得机动车辆险，并伪

15、造证明材料，在两年时间从间从9个保险营业网点先后个保险营业网点先后34次骗取近次骗取近200万万元的保险赔款。元的保险赔款。EffectnThe“chief motive in all insurance crimes is financial profit.”nInsurance contracts provide both the insured and the insurer with opportunities for exploitation.1.The insured try every means to make profits by destroying their prope

16、rty because the payment they receive from their insurers is of greater value than the property they destroy.凡保险关系投保人一方不遵守诚信原则，故意隐瞒有关保险标的的真实情况，凡保险关系投保人一方不遵守诚信原则，故意隐瞒有关保险标的的真实情况，诱使保险人承保，或者利用保险合同内容，故意制造或捏造保险事故造诱使保险人承保，或者利用保险合同内容，故意制造或捏造保险事故造成保险公司损害，以谋取保险赔付金的，均属投保方欺诈。成保险公司损害，以谋取保险赔付金的，均属投保方欺诈。2.Insuranc

17、e companies are also susceptible to fraud because false insurance claims can be made to appear like ordinary claims.This allows fraudsters to file claims for damages that never occurred,and so obtain payment with little or no initial cost.凡保险人在缺乏必要偿付能力或未经批准擅自经营业务，并利用拟凡保险人在缺乏必要偿付能力或未经批准擅自经营业务，并利用拟订保险条款和保险费率的机会，或夸大保险责任范围诱导、欺骗订保险条款和保险费率的机会，或夸大保险责任范围诱导、欺骗投保人和被保险人的，均属保险人欺诈。投保人和被保险人的，均属保险人欺诈。