Why does insurance exist？It is to ______.

cal care？

A．It is very inconvenient for them to see the doctor.

B．Health insurance does not bring them any benefit.

C．They have several jobs and don't have time to see the doctor.

D．Medical service is almost unavailable in their neighborhood.

Why does the author say inequality makes the problems worse？

A．The poor cannot get the healthcare insurance.

B．The poor pay no attention to their health.

C．Most of US healthcare have been used by the most prosperous 10% of the Americans.

D．Those without healthcare insurance only go to hospital when they have to go.

听力原文：M: Yes. I'm Edgar Davis from the Insurance Company(保险公司).

W: I'm sorry, Mr. Davis, but Ryan's not here today. He wasn't feeling well, so I told him to stay at home.

M: Oh, I see. Do you think he'll be out for several days？

W: I just don't know. He has a very bad cold. He called me earlier this morning. And I noticed he was coughing a lot.

M: That's too had. I hope it's nothing serious.

W: He hardly ever gets sick. He is one of our best workers.

M: He called me about some insurance(保险)for his car. Would you give these forms, please？

W: Certainly.

Why does Mr. David want to see Mr. Ryan？

A．To deal with his insurance for his ear.

B．To show consideration for his health.

C．To praise him for his hard work in the office.

budgeting comes in.A detailed budget helps you keep tabs on your income.There are many people who are able to live comfortably on what they earn, even if their income is modest.A budget, therefore, keeps track of income and expenses.It will segregate your fixed expenses like your food, stay and insurance and your variable expenses like your travel, entertainment, etc.

Adequate insurance for you and your family is an essential part of investing.Life, health and property insurance protect you and your loved ones from unforeseen mishaps.It is also wise to make a will so that your assets can be handled smoothly.

Good personal finance management involves investing, managing risk, insurance, understanding and handling debt and credit, knowing the value of time and money and ensuring that your retirement is taken care of.While planning you make an assessment of your present situation in relation to your goals.Managing personal finances becomes a hassle when you get into debt.Debt is what you owe, and can be good and bad.If you have borrowed money to buy property, it is an investment and the money you pay against interest on the loan is tax deductible.But running up debts like overdue credit cards is not good.This is why budgeting is very important so that you know exactly where your money is going.It is very easy to lose track of what you spend without a budget.

There are multiple ways to invest and save for the future.The crux of the matter is to keep in mind your sources of income and account for your expenses, while keeping a budget that is feasible.Periodical review keeps you in control of your personal finance.

1.The word "modest" in Para.1 probably means "____________"？

2.How many ways of finance management does the author mainly mention？

A.3

B.4

C.5

D.2

3.What's the essential part of investing for a family？

A.Sources of income

B.Various expenses

C.Adequate insurance

D.Detailed budget

4.How does the author think of debt？

A.It's completely bad

B.It's both good and bad

C.It's wonderful

D.It's not mentioned

5.What does this passage mainly talk about？

A.How to manage money

B.How to spend money

C.How to invest money

D.How to loan money

kinds are practically unknown. In addition, the cost of insurance and the type of coverage provided vary widely from country to country. But the basic principle of insurance remains the same, that is, to share the possible risk. Is it wise to spend money on insurance even though a claim may never be made？ Is keeping a spare tire in the car a wasted investment, even if the tire is never needed？ The sense of security to the car driver may make the expense of the extra tire worthwhile. While financial compensation cannot make up for certain losses, it may compensate for other losses. Much of the insurance bought by individuals falls into the categories of property, health, disability and life insurance. Property insurance is to insure against the loss of property — home, business, cars, or other possessions. It is the most common form. of risk management. Health insurance pays some medical expenses or may pay for only certain medical care. In many places workers may receive insurance as a condition of their employment. Disability insurance provides some income if a person is injured and cannot work. Life insurance provides financial assistance to a persons dependents in the case of his or her death. Such insurance has enabled many families to pay off outstanding debts and carry on their routine of life after the injury or the death of their main breadwinner. Questions 16 to 18 are based on the passage you have just heard. 16. What is the basic principle of insurance？ 17. Why does the speaker mention the spare tire？ 18. What kinds of insurance are mentioned in this talk？17．

A．To tell us that accidents may take place at any time.

B．To prove that it is wise to spend money on insurance.

C．To prove that buying insurance is a wasted investment.

D．To tell us that the sense of security is very important in driving.

More than how much money comes in it's a matter of how you spend it.That's where budgeting comes in.A detailed budget helps you keep tabs on your income.There are many people who are able to live comfortably on what they earn, even if their income is modest.A budget, therefore, keeps track of income and expenses.It will segregate your fixed expenses like your food, stay and insurance and your variable expenses like your travel, entertainment, etc.

Adequate insurance for you and your family is an essential part of investing.Life, health and property insurance protect you and your loved ones from unforeseen mishaps.It is also wise to make a will so that your assets can be handled smoothly.

Good personal finance management involves investing, managing risk, insurance, understanding and handling debt and credit, knowing the value of time and money and ensuring that your retirement is taken care of.While planning you make an assessment of your present situation in relation to your goals.Managing personal finances becomes a hassle when you get into debt.Debt is what you owe, and can be good and bad.If you have borrowed money to buy property, it is an investment and the money you pay against interest on the loan is tax deductible.But running up debts like overdue credit cards is not good.This is why budgeting is very important so that you know exactly where your money is going.It is very easy to lose track of what you spend without a budget.

There are multiple ways to invest and save for the future.The crux of the matter is to keep in mind your sources of income and account for your expenses, while keeping a budget that is feasible.Periodical review keeps you in control of your personal finance.

1.The word "modest" in Para.1 probably means "____________"？

A.Honest

B.Mild

C.Average.

D.Large

2.How many ways of finance management does the author mainly mention？()

A.3

B.4

C.5

D.2

3.What's the essential part of investing for a family？()

A.Sources of income

B.Various expenses

C.Adequate insurance

D.Detailed budget

4.How does the author think of debt？()

A.It's completely bad

B.It's both good and bad

C.It's wonderful

D.It's not mentioned

5.What does this passage mainly talk about？()

A.How to manage money

B.How to spend money

C.How to invest money

D.How to loan money

ed 13 years ago. How many call centers does the company now operate？

M: We have six regional centers which employ between 300 and 700 people each.

W: Why did the company decide to offer its products directly by phone and Internet rather than through insurance brokers or high street shops？

M: Well, the major reason was cost. With a call centre you don't have to pay high rents for good high street locations or pay commission to brokers and agents. We can then pass on these cost savings to our customers through competitive pricing of our products.

W: Well. How does a call centre affect the quality of service a customer gets？

M: When a customer calls, he can get an instant response. The computer database shows all the customer's details. This means we can offer our customers good products, quick service and lower premiums.

W: And what products does Direct Line offer？

M: Our company provide motor, house, travel and life insurances. We also offer financial services such as mortgages, personal loans, savings and pensions.

W: Gosh, so many. Are your workers able to deal with all these different products？

M: Some workers only deal with one product, while multi-skilled staff can deal with two or three products. But the system is programmed to guide staff members in dealing with 80%--90% of enquires and claims.

W: What do you think of the future for call centers？

M: They're definitely here to stay. But as more and more new call centers are set up, it'll become harder to find good staff, so we will have to offer better conditions. In the future, staff might work at home on computer networks.

(27)

A．Because the company does not have to pay as many claims as competitors.

B．Because the company rent no shops and pay no commission.

C．Because the company does not have to pay for advertising.

D．Because the company offers many products and services.

Passage Two

Insurance is the sharing of risks. Nearly everyone is exposed to risks of some sort. The house owner, for example, knows that his property can be damaged by fire; the ship owner knows that his vessel may be lost at sea; the father knows that he may die at an early age and leave his family the poorer. On the other hand, not every house is damaged by fire, not every vessel lost at sea. If these persons each put a small sum into a pool, there will be enough to meet the needs of the few who do suffer loss. In other words, the losses of the few are met from the contributions of the many. This is the basis of insurance. Those who pay the contributions are known as "insured" and those who control the pool of contributions as "insurers".

Not all risks lend themselves to being covered by insurance. Broadly speaking, the ordinary risks of business cannot be covered. The risk that buyers will not buy goods at the prices offered is not a kind that can be estimated in numbers and risks can only be insured against if they can be estimated.

The legal basis of all insurance is the "policy". This is a printed form. of contract on thick paper of the best quality. It states that in return for regular payment by the insured of a named sum of money, called the "premium", which is usually paid every year, the insurer will pay a sum of money for loss, if the risk or event insured against actually happens.

Why does the writer mention the father in the passage？

A．The writer uses the father as an example to illustrate his point.

B．The writer believes the father knows better than the mother.

C．The writer wants to persuade the father to buy insurance.

D．The writer wishes to set an example for fathers.