首页
登录
职称英语
[originaltext] When purchasing life insurance, there are many important facto
[originaltext] When purchasing life insurance, there are many important facto
游客
2023-08-12
62
管理
问题
When purchasing life insurance, there are many important factors to consider. One should buy the policies that give the most protection at the least cost, ensure the right family members, and consider the family’s financial needs. It is important to buy the insurance from companies that are financially sound and that are represented by honest, well-trained agents. At various stages in a person’s life, different kinds of life insurance are needed for particular situations.
Jerry is single and has no dependents. Probably the only life insurance he needs is enough to cover his debts and burial expenses. Insurance can be purchased at a lower rate during the young years, but by buying while young, the premiums are paid in for a longer period of time. In the end, the amount paid for premiums is about the same. A person shouldn’t buy insurance protection that really isn’t necessary. Suppose that Jerry marries Jeannette, who is a college graduate and is working. Perhaps enough insurance would be needed to cover their debts and burial expenses. Now, Jeannette has quit work and their first child is on the way. They have purchased a home with a small down payment and a 30-year mortgage. The situation regarding life insurance takes on a different look. There are dependents who need financial protection. How much insurance is needed? As the family increases in size, it is essential to add more insurance on the breadwinner to protect the dependents. When the children are young and depend upon the family for financial needs, families with modest incomes have difficulty providing enough life insurance to protect the mother and the children. Families with modest incomes should insure the breadwinner or breadwinners first. When considering the amount of insurance for the mother with dependent children, substitute child care is a need that should be planned for until the children can care for themselves. The death of a small child would have no effect upon the income of the family. Perhaps a policy to meet funeral expenses would be sufficient for the young child, although most people do not take out insurance on their young children. As the children become financially independent of the family, the emphasis on family financial security will shift from protection to saving for the retirement years. Every family situation is different, but it is important that each family give adequate thought to planning its financial future.
Questions 16 to 18 are based on the recording you have just heard.
16. What life insurance should a single person buy, according to the speaker?
17. What should people do as their family increases in size?
18. When should one change their life insurance?
选项
A、Purchase insurance for their children.
B、Save sufficient money for a rainy day.
C、Buy a home with a small down payment.
D、Add more insurance on the breadwinner.
答案
D
解析
讲座中提到,Jerry的生活发生了变化,他结婚生子,并且贷款买了房子,妻子也不再工作,全家的经济负担现在都由他来承担。讲话者认为,随着家庭成员的增加,挣钱养家的人应该追加更多保险,这样才能为其他家庭成员提供足够的保障。因此答案为D)。
转载请注明原文地址:https://tihaiku.com/zcyy/2920367.html
相关试题推荐
[originaltext]Toomanydegreesareawasteofmoney.Thereturnonhighere
[originaltext]Toomanydegreesareawasteofmoney.Thereturnonhighere
[originaltext]TheEuropeanCentralBankreleasedanewroundofmeasuresto
[originaltext]TheEuropeanCentralBankreleasedanewroundofmeasuresto
[originaltext]TheWorldHealthOrganizationsaysanincreasingnumberofin
[originaltext]TheWorldHealthOrganizationsaysanincreasingnumberofin
[originaltext]TheBermudaTriangleisoneofthegreatestmysteriesofthe
[originaltext]LauraStraubisaveryworriedwoman.Herjobistofindfami
[originaltext]LauraStraubisaveryworriedwoman.Herjobistofindfami
[originaltext]LauraStraubisaveryworriedwoman.Herjobistofindfami
随机试题
______isNOTaPuritanvalue.A、HardworkB、ThriftC、PietyD、RationD
Astronomy[img]2014m9s/ct_etoefm_etoeflistz_0514_20149[/img][br]ListentoTrac
下列关于排列图各部分组成意义的描述中,正确的有( )。A.左边的纵坐标表示影响
患者,女性,15岁,诊断为弥漫性单纯性甲状腺肿,甲状腺肿较明显,为其采取的主要治
交际型公关的特点是()。A.直接沟通 B.形式灵活 C.信息反馈快 D.
垄断价格是垄断组织在销售或购买商品时,凭借其垄断地位规定的、旨在保证获取最大限度
1927年,蒋介石政权设立“延警察支队安”,把各省、市、县的警察机关改为“公安局
贷款发放后,关于对保证人保证意愿的监控,做法错误的是()。A.应密切注意保证人的
施工单位对所承包项目的施工质量负责,在监理单位验收前对施工质量负()。A.部分
男,55岁,暴饮暴食后突发上腹痛伴寒战,高热3天,加重伴呕吐3天,查体:T39.
最新回复
(
0
)