投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 244
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
Take the case of a married man with a family. He has begun business, and thinks that if his life were spared, he might in course of years be able to lay by sufficient savings to provide for his wife and family at his death. But life is most uncertain, and he knows that at any moment he may be taken away,--leaving those he holds most dear comparatively destitute. At thirty he determines to join a sound life office. He insures for five hundred pounds, payable to his survivors at his death, and pays from twelve to thirteen pounds yearly. From the moment on which he pays that amount, the five hundred pounds are secured for his family, although he died the very next day.
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 244 · 核对日期：2026-10-19 · 核验：短摘录
白话
以一个已婚有家庭的男人为例。他刚创业，想着如果活得够久，也许能攒下足够的钱留给妻儿。但生命无常，他知道自己随时可能离开，让最亲的人陷入贫困。三十岁时，他决定加入一家可靠的人寿保险公司。他投保五百英镑，死后付给遗属，每年交十二到十三英镑。从交钱那一刻起，五百英镑就为家人锁定了，哪怕他第二天就去世。
上下文
人寿保险在19世纪英国逐渐普及，斯迈尔斯用具体数字说明其杠杆作用。
今日一问
你是否了解定期寿险的保费和保额，并算过它能给家人带来多少保障？
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