Life insurance is one way to make sure a man's family will have enough money to carry on after his death．The family must have money to (26) various costs． Life insurance premiums are based on the (27) of time the insurance company (28) the policyholder to live．A young person in good health (29) a small premium because he is expected to (30) yearly payments for a long time． There are several different kinds of life insurance． (31) Mr．Smith(30 years old), buys a$50,000 (32) life insurance policy on a whole life (33) ．This means he can keep the policy in force (34) he lives．When he dies，the insurance company will pay his family $50,000．Mr．Smith might have been able to save this (35) or more in a savings bank． (36) if he died unexpectedly at (34) , he probably would not have had time or enough money to save$50,000． If at any time Mr．Smith decides to (37) his policy the company will pay him the policy's cash (38) ．The cash value is part of the amount Mr．Smith has paid (39) the policy．When he takes the policy out，he is told (40) its cash value is at that time．Some policies are designed to (41) valued more quickly than other policies． Mr．Smith can also borrow against the cash value (42) giving up his policy． But he has to pay (43) on the loan because the money comes from the insurance company．If he should die, the amount of the loan is (44) from the insurance．It is a good idea to borrow like this only (45) an emergency and to repay the loan as soon as possible．
【正确答案】
C
【答案解析】[解析] 动词辨析。[C] cover表示“足够支付”，cover与句中的costs搭配，cover various cost“支付各种费用”，因此应选择[C] 选项。[A] take表示“花费(时 间)”，主语为表示事物的名(代)词或用形式主语it；[B] spend表示“花(时 间、金钱、精力等)”，主语为表示人的名(代)词。
单选题
[A] length [I] point [C] period [D] interval
【正确答案】
A
【答案解析】[解析] 名词同义词辨析。句意为“人寿保险费基于保险公司对投保人寿命的 长短的预计”，length of time意为“时间长短”，[A] 选项符合句意要求。[B] point指“(时间的)点；(待定)时刻”；[C] period表示“一段时问”，如a period of time；[D] interval意为“时间间隔”。
【正确答案】
B
【答案解析】[解析] 动词及搭配辨析。expect sb．to do sth．表示“期待(预料)某人做某 事”，expect the policyholder to live指“对投保人的寿命进行预测”，因此， [B] 选项合适。
【答案解析】[解析] 形容词辨析。[B] permanent表示“永久的，持久的”，由句子的后半部 分on a whole life basis提示可知，此处表达的含义为“永久性人寿保险”，因 此[B] 选项正确。[A] constant表示“不断的，持续的”；[C] timely指“及时的”。
【正确答案】
B
【答案解析】[解析] 本题测试搭配。on a basis为固定搭配，意为“在…基础上”，on a whole life basis表示“基于一生”，因此[B] 选项正确。[A] base迷惑性很强， base用作动词时，与on搭配，base…on表示“基于…”，但base用作名词 时，表示“基地，根基”。
【正确答案】
C
【答案解析】[解析] 短语意义辨析。句意为“只要人活着，保险单就有效”，[C] as long as 表示“只要”，引导条件状语从句，[C] 选项符合句意要求。[A] as soon as表 示“一...就”，引导时间状语从句；[B] as far as表示“远到，至于”，如as far as I know(据我所知)；[D] as good as表示“和…一样好”。
【正确答案】
A
【答案解析】[解析] 名词辨析。句意为“史密斯先生也可以在储蓄银行里存到这么多或 更多的钱”，由句意可知，空白处需填入表示“数量”的词，选项中除[D] quality表示“质量”外，均表示“数量”，[A] amount指不可数名词的“量”，如 large amounts of moneyr(大量的金钱)；[B] number指可用数计算的“量”， 如a large numbel of students(许多学生)；[C] quantity指成批计数的东西的 量，如a large quantity of water(大量的水)，句中表示“钱的量”，因此[A] 选 项正确。
【答案解析】[解析] 动词短语辨析。本句句意为“史密斯先生决定放弃保险单，公司将付给他与保险单等量的现金”，[A] give up表示“放弃”，符合句意要求，因此 [A] 选项正确。[B] give away表示“泄露，赠送”；[C] give in指“屈服，投降”； [D] give out：表示“发出(气体、热等)”。
【答案解析】[解析] 介词辨析。句意为“等量现金指史密斯先生交的部分保险费”，pay money into the policy表示“交保险费”，因此[B] 选项正确。[A] through与payr 可以构成搭配，如pay one's way through college(自己负担上大学的全部费 用)；[C] by与pay也可构成搭配，如pay by check(以支票付款)；[D] with与 pay构成搭配pay with(用…付款)。