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  3. Life insurance isn’t fun to buy. It forces you to think about your death: a

Life insurance isn’t fun to buy. It forces you to think about your death: a

游客2025-03-18  0
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. [br] If you carry too little or too much insurance, ______.
选项 A、you will know in the end that they are just wild guesses
B、you may not enjoy a reasonable standard of living while you’re alive
C、you may not provide a reasonable standard of living for your family
D、either you or your family might suffer an unreasonable living standard
答案 D
解析 本题问如果你投的保险额度过小或过大会怎样。文章第二段后半部分指出，如果你投的保险额太小，在你过世后，你的家人的生活水平就有可能下降；如果保险额度太大，在你有生之年则享受不到较好的生活水平。因此，本题的正确答案应是D“你或者你的家人的生活可能会受到影响”。
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