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Insurance 离婚保险在美兴起 婚姻果真安全了? WedLock, 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. 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。 After John Logan watched his wealth follow his marriage down the drain, the Kernersville, 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. 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。 Insurance Definition Insurers business model Types of insurance Insurance companies Effects The definition of insurance In law and economics, insurance 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. 保险是一种经济补偿制度，它通过集合具有同类危险的众多单位或个人，以合理计算分担金的形式，实现对少数成员因约定风险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。 In the economic perspective Insurance is a kind of economic behavior The insured(被保险者)：has the risk which need being transfered The insurer(承保人): spread the risk scientifically科学规划分散风险 Insurance is a kind of financial behavior raise funds to allow temporary credit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) sharing of loss (损失的分担 ) essence（本质） —— the compensation for the financial losses Insurers business model The business model can be reduced to a simple equation: Profit = earned premium（保险金） + investment income - incurred loss - underwriting expenses（经营保险的花费） Insurers business model Insurers make money in two ways: Through underwriting（经验