【正确答案】正确答案： Insurance Insurance is a guarantee against financial loss. / Insurance policies can be bought for all sorts of things. / The most common kinds of insurance include life, health and property. / For example, an insurance company will pay to repair or replace the property if it is damaged or stolen. / How much a company will pay in the event of a claim / depends on how much insurance the policyholder has bought. / The amount may also depend on the conditions that led to the damage. / There are two main kinds of insurance companies. / Insurance carriers provide insurance to individuals, groups and businesses. / Reinsurance companies help reduce the financial risk to carriers. /