题目列表(包括答案和解析)
阅读理解
Insurance(保险) is the sharing of risks. Nearly everyone is exposed(面临) to risk of some sort. The house owner, for example, knows his property can be damaged by fire; the ship-owner knows that his vessel(商船) may be lost at sea; the breadwinner(养家糊口的人) knows that he may die at an early age and leave his family poorer. Cm the other hand, not every house is damaged by fire nor 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 administer(管理) the pool of contributions as insurers.
The legal basis of all insurance is the policy, which is a printed form of contract(合同) on paper of the best quality. It states that in return for the regular payment by the insured of a named sum of money, called the premium(保险费) which is usually paid every year, the insurer will pay a sum of money or compensation(补偿) for loss, if the risk or event insured against actually happens.
The premium for an insurance naturally depends on how likely the risk is to happen, as suggested by past experience. If companies fix(确定) their premium too high, there will be more competition in their branch of insurance and they may lose business. On the other hand, if they make the premium too low, they will lose money and may even have to drop out of business. So the ordinary forces supply and demand keep premium at a level satisfactory to both the insurer and the insured.
1.According to the writer, insurance is possible because ________.
[ ]
A.everyone at some time suffers loss
B.only a small proportion of the insured suffer loss
C.nearly everyone suffers loss
D.only insured people suffer loss
2.By “the pool of contributions” the writer means ________.
[ ]
A.money paid by the insured
B.money paid by the insurers
C.the cost of administering insurance
D.the amount of each premium
3.A policy is ________.
[ ]
A.a check to be cashed at the bank
B.a legal agreement
C.a particular kind of insurance
D.money paid by the insured
4.Insurance premiums do not become too high because ________.
[ ]
A.not many people suffer loss
B.not many people insure themselves
C.insurance companies compete with each other
D.they are fixed according to how likely the risk of loss to happen
5.According to the writer, insurance is ________.
[ ]
A.costly but worth buying
B.cheap but not necessary
C.useful but too risky
D.useful and necessary
Not all risks lead themselves to being covered by insurance. Broadly speaking,the ordinary risks of business cannot be covered. The risk that buyer will not buy goods at the prices offered is not of a kind that can be estimated(估计)in numbers—and risks can only be insured against if they can be estimated.?
The legal basis of all insurance is the “policy”. It states that in return for regular payment by the insured of a named sum of money,called the “premium(保险费)”,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.?
1.According to the writer,insurance is possible because .?
A.almost everyone suffers loss ?
B.only insured people suffers loss?
C.everyone suffers loss sometimes?
D.only a small number of the insured suffer loss
2.“The basis of insurance” refers to .?
A.the chances of risks?
B.the exposing to risks?
C.the payment of contributions?
D.the management of contributions
3.By “the pool of contributions” the writer means .?
A.a small sum of money?
B.money paid by the insured?
C.the cost of administration?
D.money paid by the insurers
4.The insurance of ordinary business risks is impossible because .?
A.the risks are too high?
B.businessmen do not like risks?
C.the risks cannot be estimated?
D.businessmen will not buy insurance
A. A busy day makes people forget things easily.
B. People need a good night's sleep after a busy day.
C. A good night's sleep helps memories.
D. A good night's sleep helps people forget a busy day.
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