double indemnity

简明释义

加倍给付

英英释义

例句

1.The lawyer explained that the double indemnity clause would ensure they received twice the payout if the insured died in an accident.

律师解释说，双倍赔偿条款将确保如果被保险人在事故中死亡，他们将获得两倍的赔偿。

2.After the accident, the family was relieved to discover that their policy included double indemnity.

事故发生后，家人松了一口气，发现他们的保险政策包括双倍赔偿。

3.Many people opt for policies with double indemnity for added security.

许多人选择带有双倍赔偿的保险，以获得额外保障。

4.In the event of a tragic accident, the double indemnity feature can provide significant financial relief.

在悲惨事故发生时，双倍赔偿功能可以提供显著的经济救助。

5.The insurance agent recommended a plan that included double indemnity for accidental deaths.

保险代理人推荐了一种包含双倍赔偿意外死亡条款的计划。

作文

The concept of double indemnity refers to a clause in an insurance policy that provides for the payment of double the face value of the policy in the event of certain types of accidents or deaths. This term gained significant notoriety due to the classic film "Double Indemnity" directed by Billy Wilder in 1944, which showcases the darker side of human nature and the lengths to which individuals might go to secure financial gain. The story revolves around an insurance salesman, Walter Neff, who becomes entangled in a murder plot with a seductive femme fatale named Phyllis Dietrichson. Their plan is to kill Phyllis's husband and claim the life insurance money, which includes the double indemnity clause. This film not only highlights the moral complexities surrounding greed and betrayal but also serves as a cautionary tale about the consequences of unethical behavior. The allure of quick financial rewards can lead individuals down a treacherous path, often resulting in devastating outcomes. In the case of Neff and Dietrichson, their initial excitement over the potential payout quickly transforms into paranoia and guilt, ultimately leading to their downfall.In the real world, the concept of double indemnity is not merely a plot device but a legitimate aspect of many insurance policies. It is designed to provide additional protection for policyholders and their beneficiaries in situations deemed particularly risky. For example, if someone dies in an accident while traveling, the double indemnity clause may apply, allowing the family to receive twice the amount of the policy. This feature can be incredibly appealing to individuals seeking peace of mind, knowing that their loved ones will be financially secure in the event of an unforeseen tragedy.However, the existence of such clauses can also lead to moral hazards. Some individuals might be tempted to manipulate circumstances in order to benefit from the double indemnity provision, similar to the characters in the film. This raises ethical questions about the integrity of both the insured and the insurance companies. Insurers must carefully evaluate claims and investigate suspicious circumstances to prevent fraud, which can complicate the claims process for legitimate beneficiaries.In conclusion, the term double indemnity encapsulates both the potential for financial security and the risk of moral compromise. While it offers an attractive safety net for policyholders, it also invites the possibility of unethical behavior. The narrative presented in "Double Indemnity" serves as a reminder that the pursuit of wealth can sometimes lead to destructive choices, and it challenges us to consider the ethical implications of our actions. Ultimately, the balance between financial security and moral integrity is a delicate one, and the concept of double indemnity exemplifies this ongoing struggle in both fiction and reality.

“双重赔偿”这个概念指的是保险政策中的一项条款，规定在发生某些类型的事故或死亡时，将支付保单面值的双倍金额。这个术语因比利·怀尔德于1944年执导的经典电影《双重赔偿》而广为人知，该片展示了人性阴暗的一面，以及个人为获得经济利益可能付出的代价。故事围绕着一位保险推销员沃尔特·内夫展开，他与一个诱人的 femme fatale 菲莉丝·迪特里克森卷入了一场谋杀阴谋。他们的计划是杀死菲莉丝的丈夫，并索取包括双重赔偿条款在内的寿险赔偿金。这部电影不仅突显了贪婪和背叛所带来的道德复杂性，还作为一则关于不道德行为后果的警示故事。快速财务回报的诱惑可能会导致个人走上一条危险的道路，最终导致灾难性的结果。在内夫和迪特里克森的案例中，他们最初对潜在赔偿金的兴奋迅速转变为偏执和内疚，最终导致他们的毁灭。在现实世界中，“双重赔偿”的概念不仅仅是一个情节装置，而是许多保险政策的合法组成部分。它旨在为投保人及其受益人在被认为特别危险的情况下提供额外保护。例如，如果某人在旅行中意外去世，双重赔偿条款可能适用，使得家属能够获得保单的两倍金额。这一特性对于寻求安心的人们来说非常有吸引力，因为他们知道在不可预见的悲剧发生时，自己的亲人将得到经济上的保障。然而，这类条款的存在也可能导致道德风险。有些个人可能会受到诱惑，操控情况以便从双重赔偿条款中获益，类似于电影中的角色。这引发了关于被保险人和保险公司诚信的伦理问题。保险公司必须仔细评估索赔并调查可疑情况，以防止欺诈，这可能会使合法受益人的索赔过程变得复杂。总之，术语双重赔偿既体现了财务安全的潜力，也反映了道德妥协的风险。虽然它为投保人提供了一个有吸引力的安全网，但也邀请了不道德行为的可能性。《双重赔偿》中呈现的叙事提醒我们，追求财富有时可能导致破坏性的选择，并挑战我们考虑自己行为的伦理含义。最终，财务安全与道德完整性之间的平衡是微妙的，而双重赔偿的概念正是这一持续斗争在虚构和现实中的典范。