Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one. It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many. The money the insurance used to pay for an individual′ s loss comes from ___________.A.the premium paid by the person previouslyB.the insurance company's investmentC.the premiums paid by other personsD.all of the above
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
The money the insurance used to pay for an individual′ s loss comes from ___________.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
The money the insurance used to pay for an individual′ s loss comes from ___________.
A.the premium paid by the person previously
B.the insurance company's investment
C.the premiums paid by other persons
D.all of the above
B.the insurance company's investment
C.the premiums paid by other persons
D.all of the above
参考解析
解析：细节题。根据第二段中“The funds will come from the individual’s premium，the premium paid by others who did not have losses，and money from the company’s investment of all the premiums．”可知，A、B、C三项内容都包含在内。故选D。
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共用题干Earthquake Insurance1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Paragraph 3______A:What's the Main Problem of Earthquake Insurance?B:What Damages Can an Earthquake Cause?C:How to Buy an Earthquake Insurance?D:What Is an Earthquake Insurance?E:Where Does Earthquake Happen Frequently? F: What Does an Earthquake Insurance Contain?
共用题干Earthquake Insurance1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Earthquakes can cause a variety of direct damage and______.A:indirect damageB:risk poolsC:government disaster fundsD:the nature of the damageE:insurance policies F: prices
共用题干Earthquake Insurance1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.The insurance paid for earthquake depends on the type of insurance and______. A:indirect damageB:risk poolsC:government disaster fundsD:the nature of the damageE:insurance policies F: prices
共用题干Earthquake Insurance1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Insurance companies also adjust their______.A:indirect damageB:risk poolsC:government disaster fundsD:the nature of the damageE:insurance policies F: prices
单选题Which one is true as regards to the hard hat according to the passage?（）AIt needs not to be regularly replacedBIt is designed to protect from possible impactCIt is required to be worn on deck at all times by all shipsDfibreglass hardhat should not be used on board ships
单选题The passage warns of which of the following dangers?ACompanies in the United States may receive no protection from imports unless they actively seek protection from import competition.BCompanies that seek legal protection from import competition may incur legal costs that far exceed any possible gain.CCompanies that are United States owned but operate internationally may not be eligible for protection from import competition under the laws of the countries in which their plants operate.DCompanies that are not United States owned may seek legal protection from import competition under United States import relief laws.
单选题It can be concluded from the passage that ______.Alarge families may be considered as a heavy burden by the rural poorBthe actions of national and international power brokers have an important effect upon the decision made by the rural poorCthe actions of those with the highest fertility, the rural poor, ultimately determine the rate of population growthDhaving large families had more advantages than disadvantages in those poor areas
单选题Where do you configure SCREEN options？（）Azones on which an attack might arriveBzones you want to protect from attackCinterfaces on which an attack might arriveDinterfaces you want to protect from attack
单选题Which patients are usually treated with growth hormone?AAdults of smaller statue than normalBAdults with strong digestive systemsCChildren who are not at risk from the treatmentDChildren who may remain abnormally small