2. 外语
  3. Life insurance isn’t fun to buy. It forces you to think about your death: a subject many prefer not to confront. But there’s a s

Life insurance isn’t fun to buy. It forces you to think about your death: a subject many prefer not to confront. But there’s a s

admin2014-04-23  41
问题     Life insurance isn’t fun to buy. It forces you to think about your death: a subject many prefer not to confront. But there’s a single, overriding reason to buy life insurance; to provide an income for your dependents should you die.
    Don’t depend solely on an agent to figure your life insurance needs. Rule-of-thumb (经验法 则) estimates such a five or eight times of your income are guesses: they may produce too little or too much insurance. Carry too little insurance and you may not provide a reasonable standard of living for your family after your death, carry too much and you may not enjoy a reasonable standard of living while you’re alive.
    Most people who have life insurance don’t have enough. The median amount of coverage for all adults with life insurance was only 15 000 pounds in 1984. That’s obviously not enough to sustain a family with young children for very long. Nationwide insurance found that the married men in its 1984 survey carried an average of about 101 880 pounds in life insurance? they needed about 100 705 pounds more. Married women carried about 43 516 worth insurance but needed some 98 507 pounds more.
    How do you determine the amount of life insurance you would need to maintain your family’s current life style if the bread-winner died? First figure what your family’s expenses would be if you died tomorrow. Then analyze your assets and the sources of income that you can use to cover the expenses. Finally, subtract the assets (资产，财产) from the needs. The result is the amount of additional insurance that you’ll need to buy.
Which of the following statements is NOT true?
选项 A、You should believe in either your agent or those empirical (经验主义的) estimates.
B、You must not rely on agents only to tell you how much life insurance you need.
C、These agents may produce too little or too much insurance.
D、Estimates such as five or eight times your income are not reliable.
答案A
解析 本题是一道判断是非题。问下面哪个句子是不正确的。针对四个选项，利用查阅式阅读法，结合原文内容，我们可以推断出本题的正确答案应是A“你应该或者相信自己的代理人或者相信那些经验法则的估算”。此答案与文章第二段的内容不符。这段指出，不要只依靠代理人来计算你的人寿保险额度。用经验法则估计，比如，以5或8乘以你的收入，都属于估算。这样的估算可以得出过大或过小的保险额度。
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