经济学人:零工经济:随时摇滚(2)

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Aside from overdosing, typical career-ending injuries used to include electrocution (all that electrical equipment) ,  除了服药过量，常见的终结职业生涯的伤病常包括触电（一切电力设备），

but now are more likely to be osteoporosis and loss of hearing. 但是现在更多是骨质疏松或是耳朵失聪。

The Rolling Stones' lead guitarist, Keith Richards, who is 73, has insured his hands for $1.6m. 滚石乐队中，73岁的吉他手领队基斯·理查德，就为他的双手投保160万美元。

Underwriters are ready to accept their clients' lifestyle and work hazards, arguing that where there is risk, there is reward—if the price is right. 保险商会做好准备，去接收投保人的生活方式和工作风险，因为保险商认为，有风险，就有回报―只要价格合适。

“It's a badly misunderstood market, and one 70-year-old rocker is not like the other; there's plenty of scope for savvy² underwriting,” says one of them. 其中一个保险商说，“这是个不为人所理解的市场，因为70岁的摇滚歌手不同于其他人；但对熟通保险业的人来说，在这个市场，却有足够的发挥空间”。

And the insurers do take precautions. 承保人会做好预防措施。

Exclusions⁴ for pre-existing conditions, especially those related to alcohol abuse or failing livers, are common. 对既存问题的排除十分普遍，尤其是那些与酗酒、肝脏衰竭相关的既存问题。

Rockers of advanced years are also good for busting⁵ stereotypes⁶ about older workers. 年长的摇滚歌手也有益于打破那些对于年长工作者的传统认知。

Their energy levels may be lower, but they often pace themselves more and look after themselves better than in their younger days; not so much sex and drugs, more tea and yoga. 也许他们的体能有所下降，但是相较于年轻时候，他们会更频繁地调整自己的生活节奏，会更好地照顾自己，现在他们热衷的不再是性欲和磕药，而是茶和瑜伽。

Sometimes such moderation is imposed by their insurers. 有时他们的承保人也会要求他们如此克制。

The Stones “14 on Fire” tour contract is said to have contained exclusion³ clauses for a variety of dangerous pursuits. 据说，由于滚石乐队的巡回演唱会“14 on fire ”有很多危险性的娱乐活动，所以其合同就内附除外条款。

Besides, says the underwriter, by the age of 70 some of the riskier⁷ rockers have already been weeded out by the Grim Reaper⁸. 此外，保险商还说，到70岁时，一些风险更大的摇滚歌手已经被死神所淘汰。

 

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