Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person' s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual's premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual's premium, the premium paid by others who did not have losses, and money from the company' s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
Which of the following statements is true?（ ）
细节题。根据第二段倒数第二句 “An individual who does not have a loss loses the premium money but purchases what insurance underwriters call‘peace of mind’. ” 可知，人们购买保险就是为了获得心灵平静，不用对未来不可预测的事情担心。 B 项说法正确。 A 项错在 “for your losses” ； C 项应是 insurance company 或 underwriter 持有投保者的保险费，而不是 insurance agent ； D 项如果投保者没有损失，保险费也是不退还的。
The money the insurance used to pay for an individual' s loss comes from （ ）.
细节题。根据第二段中 “The funds will come from the individual's premium ， the premium paid by others who did not have losses ， and money from the company's investment of all the premiums ． ” 可知， A 、 B 、 C 三项内容都包含在内。故选 D 。
The word "policy" in the 2nd paragraph most probably means（ ）.
词义题。根据题干定位至第二段， “The individual receives an insurance policy ， a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it ． ” 表明 policy 指的是个人和担保人之间签的协议。故选 C 。
Which of the following statements is NOT TRUE?（ ）
细节题。根据第二段中 “an individual pays a small amount of money called a premium( 保险费 )to an agent who acts on behalf of an insurance company ， or underwriter” 可知，个人把保险费付给保险代理人而非直接付给保险公司。 D 项说法不正确。
According to the passage, insurance company will protect individuals from the losses EXCEPT（ ）.
细节题。根据第一段第一句 “Insurance( 保险 )may be considered a game of risk in which individuals and businesses protect themselves ， their families ， and their property from possible losses resulting from unpredictable events such as storms ， fires ， accidents and illnesses ． ” 可知 A 、 B 、C 三项都包含在内，只有 D 项没有提到，故选 D 。