单选题
Why We Need Insurance?

Insurance is a cover used for protecting oneself from the risk of a financial loss. It is important to understand that risk is a part of any person's life and that it increases as a person increases in age, responsibility and wealth. Throughout the living existence, everyone is faced by numerous risks--failing health, financial losses, accidents and even fatalities. Insurance addresses all these uncertainties on financial terms. Insurance is risk coverage against financial losses and should not be taken as an investment instrument.
Everyone needs insurance if they are worried about economic loss, or if they lose something. The purpose of insurance is to give them peace of mind. Having the right kind of insurance coverage is an essential part of building a solid financial future. Insurance protects people from risk and guarantees that, once they accumulate assets, they will be able to keep them. The basic definition of insurance is risk management. There are mainly two parties involved in this--the insurer and the insured. The insurer is the insurance company who will provide the cover to the insured against any financial losses. The insured may be an individual person or a group of people like an employer, members of a society, etc.
A policy is the contract between the insurer and the insured, which states the risks covered, the exclusions, if any, and the benefits reimbursed on the happening of an event like death, illness etc. The policy is paid through what is called a premium, which is a set amount that must be paid by the insured on a monthly, semi- annual or annual basis. On the happening of an event like death, disability, fire, etc., for which the insured is covered, the benefit amount stated in the policy contract can be claimed by the insured.
The way insurance goes is that the premium plus thousands or sometimes even millions of other people's premiums go together in a big pool. The insurance companies use that pool. They invest it, and then they pay it when there's a claim.
There's property and casualty, and life and health insurance. Life and health insurance includes life, disability, health insurance, long-term care insurance. Property casualty insurance is a type of insurance that insures one's home, auto, and airplane, things like that. Change is perhaps that only static constant within the dynamics of life and risks always move in tandem within a changing environment. Life insurance is more of a hedging mechanism rather than a real investment avenue. It is essentially a mechanism that eliminates risks primarily by transferring the risk from the insured to the insurer.
It is not that life and existence are constantly fraught with danger and uncertainty. But it is essential that people plan for the future. The chances for a fatality or an injury to occur to the average individual may not be particularly high but then no one can really afford to completely disregard his or her future. Insurance is the most reliable tool an individual can use to plan for his future.

单选题 What can insurance do for people?
【正确答案】 B
【答案解析】[题目考查点] 推理判断题，考查保险的用途。
[解题关键句] 题目意为：“保险能为人们做什么”文中第一段提到“Insurance is a cover used for protecting oneself from the risk of a financial loss．”和“Insurance addresses all these uncertainties on financial terms”，综合判断正确答案为B。
单选题 According to the third paragraph, how often can the insured pay the premium?
【正确答案】 A
【答案解析】[题目考查点] 事实细节题，考查投保人多久交一次保费。
[解题关键句] 文中第三段提到“The policy is paid through what is called a premium，which is a set amount that must be paid by the insured on a monthly，semi-annual or annual basis”，据此可知正确答案为A。
单选题 When can the insured make a claim?
【正确答案】 C
【答案解析】[题目考查点] 细节理解题，考查投保人在什么情况下可以领取赔偿金。
[解题关键句] 文中第三段提到“On the happening of an event like death，disability，fire，etc．， for which the insured is covered．the benefit amount stated in the pclicy contract can be claimed by the insured”，其中on the happening of意为“一发生…… 就……”。故正确答案为C。
单选题 What does the word "pool" mean in the fourth paragraph?
【正确答案】 B
【答案解析】[题目考查点] 词汇理解题。考查对文中pool的理解。
[解题关键句] 题目意为：“第四段中单词pool是什么意思?”文中提到“The way insurance goes is that the premium plus thousands or sometimes even millions of other people's premiums go together in a big pool．”，该句中in a big pool是采用暗喻的手法形 象地说明资金汇入“资金池”中。因此，这个“资金池”意为所有保险人所交保险费的 总和。故正确答案为B。
单选题 Why should life insurance be regarded as a way to eliminate risks in a changing environment?
【正确答案】 D
【答案解析】[题目考查点] 推理判断题。考查对人寿保险的理解。
[解题关键句] 题目意为：“为什么人寿保险被认为是在变化的环境中消除风险的一种方式?”文中第 五段提到“It is essentially a mechanism that eliminates risks primarily by transferring the risk from the insured to the insurer．”即，从本质上来说：人寿保险主要 是通过将风险从投保人转嫁给保险公司的方法，来消除变化环境中的各种风险。故正 确答案为D。
单选题 According to the last paragraph, which of the following statement is NOT true?
【正确答案】 A
【答案解析】[题目考查点] 推理判断题。考查对文中最后一段的理解。
[解题关键句] 题目意为：“根据最后一段内容，判断以下哪项叙述不正确?”文中最后一段总结了保险 的重要作用，同时指出虽然生命并非总是充满了危险与不测，而且发生到每个人身上 的伤亡机率也不是很高。但是一旦这些事情发生，没有人能够承担得起。因此，文章 最后一句总结到：保险是人们规划未来，规避风险的最可靠手段。A项与原文刚好相 反，故正确答案为A。