投资 · 创业者自述
塞缪尔·斯迈尔斯:节俭·摘录 246
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
In this way, life assurance may be regarded in the light of a contract, by which the inequalities of life are to a certain extent averaged and compensated, so that those who die soon--or rather their families--become sharers in the good fortune of those who live beyond the average term of life. And even should the assurer himself live beyond the period at which his savings would have accumulated to more than the sum insured, he will not be disposed to repine, if he takes into account his exemption from corroding solicitude during so many years of his life.
出处:
https://www.gutenberg.org/ebooks/14418
定位:Excerpt 246 · 核对日期:2026-10-19 · 核验:短摘录
白话
这样,人寿保险可看作一份契约,把生命的不平等在一定程度上平均和补偿:早死的人——或者说他们的家人——分享长寿者的好运。即使投保人自己活过储蓄额超过保额的年限,只要想到多年来免于煎熬的忧虑,他也不会抱怨。
上下文
斯迈尔斯解释保险的互助本质:健康长寿者与早逝者家庭共担风险。
今日一问
你能否接受保险的互助逻辑,并把它看作对家庭责任的提前安排?
公版作品;原文逐字取自 Project Gutenberg,仅摘录段落并附全书链接。
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