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  3. Insurance is the sharing of risks. Nearly everyone is exposed to risks of

Insurance is the sharing of risks. Nearly everyone is exposed to risks of

游客2024-08-04  25
问题       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.  [br] What do insurers firmly believe?
选项 A、No one can avoid any risks.
B、People don’t like to spend their money.
C、Almost all people trust insurance.
D、Most people like to help others.
答案 A
解析 投保人坚信人人都面临着某种风险，因此才会来参保。
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