听力原文：
Recording One

When purchasing life insurance, there are many important factors to consider. One should buy the policies that give the most protection at the least cost, ensure the right family members, and consider the family's financial needs. It is important to buy the insurance from companies that are financially sound and that are represented by honest, well-trained agents.
At various stages in a person's life, different kinds of life insurance are needed for particular situations. Jerry is single and has no dependents. Probable the only life insurance he needs is enough to cover his debts and burial expenses. Insurance can be purchased at a lower rate during the young years, but by buying while young, the premiums are paid in for a longer period of time. In the end, the amount paid for premium is about the same.
A person shouldn't buy insurance protection that really isn't necessary. Suppose that Jerry marries Jeannette, who is a college graduate and is working. Perhaps enough insurance would be needed to cover their debts and burial expenses. Now, Jeanette has quit work and their first child is on the way. They have purchased a home with a small down payment and a 30-year mortgage.
The situation regarding life insurance takes on a different look. There are dependents who need financial protection. How much insurance is needed? As the family increase in size, it is essential to add more insurance on the breadwinner to protect the dependents. When the children are young and depend upon the family for financial need, families with modest incomes have difficulty providing enough life insurance to protect the mother and the children. Families with modest incomes should insure the breadwinner or breadwinners first. When considering the amount of insurance for the mother with dependent children, substitute child care is a need that should be planned for until the children can care for themselves.
The death of a small child would have no effect upon the income of the family. Perhaps a policy to meet funeral expenses would sufficient for the young child, although most people do not take out insurance on their young children. As the children become financially independent of the family, the emphasis on family financial security will shift from protection to saving for the retirement years. Every family situation is different, but it is important that each family give adequate thought to planning its financial future.

Q16：What life insurance should a singe person buy, according to the speaker?

本题是问单身的人应该购买什么类型的人寿保险。讲话者在录音开始时指出，在人的一生中的不同阶段，需要针对特定的境况购买不同类型的人寿保险。接着举了单身者杰里的例子:“可能他需要的唯一的人寿保险能足以支付他的债务和丧葬费用即可。”由此可知，单身者应该购买能够支付他们的债务和丧葬费用的保险，故选C。其余三项均与原文表述不符。

听力原文：
Recording One

When purchasing life insurance, there are many important factors to consider. One should buy the policies that give the most protection at the least cost, ensure the right family members, and consider the family's financial needs. It is important to buy the insurance from companies that are financially sound and that are represented by honest, well-trained agents.
At various stages in a person's life, different kinds of life insurance are needed for particular situations. Jerry is single and has no dependents. Probable the only life insurance he needs is enough to cover his debts and burial expenses. Insurance can be purchased at a lower rate during the young years, but by buying while young, the premiums are paid in for a longer period of time. In the end, the amount paid for premium is about the same.
A person shouldn't buy insurance protection that really isn't necessary. Suppose that Jerry marries Jeannette, who is a college graduate and is working. Perhaps enough insurance would be needed to cover their debts and burial expenses. Now, Jeanette has quit work and their first child is on the way. They have purchased a home with a small down payment and a 30-year mortgage.
The situation regarding life insurance takes on a different look. There are dependents who need financial protection. How much insurance is needed? As the family increase in size, it is essential to add more insurance on the breadwinner to protect the dependents. When the children are young and depend upon the family for financial need, families with modest incomes have difficulty providing enough life insurance to protect the mother and the children. Families with modest incomes should insure the breadwinner or breadwinners first. When considering the amount of insurance for the mother with dependent children, substitute child care is a need that should be planned for until the children can care for themselves.
The death of a small child would have no effect upon the income of the family. Perhaps a policy to meet funeral expenses would sufficient for the young child, although most people do not take out insurance on their young children. As the children become financially independent of the family, the emphasis on family financial security will shift from protection to saving for the retirement years. Every family situation is different, but it is important that each family give adequate thought to planning its financial future.

Q17：What should people do as their family increases in size?

本题就家庭成员增多时的情况进行提问。讲话者在录音中间部分指出:“随着家庭成员逐渐增多，至关重要的是，养家糊口的人要购买更多的保险，来保护那些依靠他生活的人。”选项D的说法与此一致，故为正确答案。讲话者在最后指出:“虽然大多数人没给自己的小孩购买保险，但是随着孩子从家庭经济中独立出来，家庭财务安全的重点将从投保转到为保障退休生活的储蓄上。”选项A和B是对此的曲解，故排除。选项C是讲话者举例时所说的杰里和詹妮特的消费细节，不符合题意，故也应排除。

听力原文：
Recording One

When purchasing life insurance, there are many important factors to consider. One should buy the policies that give the most protection at the least cost, ensure the right family members, and consider the family's financial needs. It is important to buy the insurance from companies that are financially sound and that are represented by honest, well-trained agents.
At various stages in a person's life, different kinds of life insurance are needed for particular situations. Jerry is single and has no dependents. Probable the only life insurance he needs is enough to cover his debts and burial expenses. Insurance can be purchased at a lower rate during the young years, but by buying while young, the premiums are paid in for a longer period of time. In the end, the amount paid for premium is about the same.
A person shouldn't buy insurance protection that really isn't necessary. Suppose that Jerry marries Jeannette, who is a college graduate and is working. Perhaps enough insurance would be needed to cover their debts and burial expenses. Now, Jeanette has quit work and their first child is on the way. They have purchased a home with a small down payment and a 30-year mortgage.
The situation regarding life insurance takes on a different look. There are dependents who need financial protection. How much insurance is needed? As the family increase in size, it is essential to add more insurance on the breadwinner to protect the dependents. When the children are young and depend upon the family for financial need, families with modest incomes have difficulty providing enough life insurance to protect the mother and the children. Families with modest incomes should insure the breadwinner or breadwinners first. When considering the amount of insurance for the mother with dependent children, substitute child care is a need that should be planned for until the children can care for themselves.
The death of a small child would have no effect upon the income of the family. Perhaps a policy to meet funeral expenses would sufficient for the young child, although most people do not take out insurance on their young children. As the children become financially independent of the family, the emphasis on family financial security will shift from protection to saving for the retirement years. Every family situation is different, but it is important that each family give adequate thought to planning its financial future.

Q18：When should one change their life insurance?

本题就人们改变人寿保险投保计划的时机进行提问。讲话者在最后提到:“虽然大多数人没给自己的小孩购买保险，但是随着孩子从家庭经济中独立出来，家庭财务安全的重点将从投保转到为保障退休生活的储蓄上。”也就是说，当孩子长大不再依靠家庭来满足经济需求时，人们应该改变投保计划，为退休后的生活做打算。选项A的说法与原文相符，故为正确答案。原文是说人们应存足够的钱，来保障退休后的生活，而不是说当人们为退休存了足够的钱时，才改变投保计划，故排除选项B。选项C和D原文中没有提及，故也应排除。