填空题What is the-second goal for buying life insurance?To pay off a mortgage or ____ after death.

共用题干
Health Insurance（保险）

Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.

_________(12)
A: after
B: if
C: before
D: since

共用题干
Health Care in the US

Health care in the US is well-known but very expensive.Paying the doctor's bill after a
major illness or accident can cost hundreds of thousands of dollars.
In the US,a person's company,not the government,pays for health insurance.
Employers have contracts with insurance companies,which pay for all or part of employees'
doctors' bills.
The amount that the insurance company will pay out to a patient differs wildly. It all depends
on what insurance the employer pays.The less the boss pays to the insurance company,the
more the employee has to pay the hospital each time he or she gets sick. In 2004,the average
worker paid an extra US$558 a year,according to a San Francisco report.
The system also means many Americans fall through the cracks（遭遗漏）.In 2004,
only 61 percent of the population received health insurance through their employers,
according to the report. The unemployed,self-employed,part-time workers and graduated
students with no jobs were not included,
Most US university students have a gap between their last day of school and their first
day on the job.Often,they are no longer protected by their parents' insurance because they
are now considered independent adults.They also cannot buy university health insurance because they
are no longer students.
Another group that falls through the gap of the US system is international students.All
are required to have health insurance and cannot begin their classes without it,But exact
policies（保险单）differ from school to school.
Most universities work with health insurance companies and sell their own standard plan
for students.Often,buying the school plan is required,but luckily it's also cheaper than
buying direct from the insurance company.

The international students in the US work harder than the American students.
A:Right
B:Wrong
C:Not mentioned

What is your goal in life?

A:plan
B:aim
C:arrangement
D:idea

As recently as three decades ago,many Americans believed that using credit was an unwise and?dangerous way to pay for what they bought．Some even thought that owing money to a store or a?credit company was something to be ashamed of．Good citizens,they believed,always bought what?they wanted with real money and they paid the full price immediately．
Today,however,all that has changed．Credit,as some observers have noted,has become a?way of life in the United States．More and more Americans now are depending on those small pieces?of plastic,credit cards,to pay for large purchases such as televisions,record players or furniture．Many people today would consider it unusual not to use a credit card to pay for a costly restaurant?dinner,a hotel room or an airline trip．And there are some situations in which Americans must have?credit cards．If they want the temporary use of a car,for example,they first must give the car rental?company the number of their credit card．That number is considered a guarantee that they will return?the car and pay for using it．
Credit cards offer two major services to Americans．First of all,they are easier and safer to?carry than large amounts of money．Second,they permit people to borrow,to have the immediate?pleasure of owning something,even if they do not have enough money to pay for it at the time．With?credit cards people pay for goods or services at the end of each month instead of when they buy them．And when the time does come to pay,most credit cards offer people a choice．They can pay all of?what they owe for the month or they can just pay usually between 5 and 10 percent of what they owe．

What advantage can credit card holders have?

A.They can choose not to pay for their purchases．
B.They can easily borrow money at a lower interest．
C.They can own something before they actually pay for it．
D.They can pay only a small amount of what they owe．

Dealers often tell customers that if their car gets wrecked in a crash they could be financially harmed because regular insurance may not______the entire amount owed on the loan。

A.pay up
B.pay off
C.pay out
D.pay away

共用题干
Earthquake Insurance

1.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
Health care in the US is well known but very expensive.Paying the doctor's bill after a major illness or accident can cost hundreds of thousands of dollars.
In the US,a person's company,not the government,pays for health insurance.Employers have contracts with insurance companies,which pay for all or part of employees' doctors' bills.
The amount that the insurance company will pay out to a patient differs wildly.It all depends on what insurance the employer pays.The less the boss pays to the insurance company,the more the employee has to pay the hospital each time he or she gets sick.In 2004,the average worker paid an extra $558 a year,according to a San Francisco report.
The system also means many Americans fall through the cracks（遭遗漏）.In 2004,only 61 percent of the population received health insurance through their employers,according to the report. The unemployed,self-employed,part-time workers and graduated students with no jobs were not included.
Most US university students have a gap between their last day of school and their first day on the job.Often,they are no longer protected by their parents' insurance because they are now considered independent adults.They also cannot buy university health insurance because they are no longer students.
Another group that falls through the gap of the US system is international students.All are required to have health insurance and cannot begin their classes without it. But exact policies（保险单）differ from school to school.
Most universities work with health insurance companies and sell their own standard plan for students.Often,buying the school plan is required,but luckily it's also cheaper than buying directly from the insurance company.

In the US,a person's company buys him or her health insurance.
A:Right
B:Wrong
C:Not mentioned

共用题干
Health Insurance（保险）

Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.

_________(6)
A: our
B:its
C:his
D:their

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 previously
B.the insurance company's investment
C.the premiums paid by other persons
D.all of the above

As recently as three decades ago,many Americans believed that using credit was an unwise and?dangerous way to pay for what they bought．Some even thought that owing money to a store or a?credit company was something to be ashamed of．Good citizens,they believed,always bought what?they wanted with real money and they paid the full price immediately．
Today,however,all that has changed．Credit,as some observers have noted,has become a?way of life in the United States．More and more Americans now are depending on those small pieces?of plastic,credit cards,to pay for large purchases such as televisions,record players or furniture．Many people today would consider it unusual not to use a credit card to pay for a costly restaurant?dinner,a hotel room or an airline trip．And there are some situations in which Americans must have?credit cards．If they want the temporary use of a car,for example,they first must give the car rental?company the number of their credit card．That number is considered a guarantee that they will return?the car and pay for using it．
Credit cards offer two major services to Americans．First of all,they are easier and safer to?carry than large amounts of money．Second,they permit people to borrow,to have the immediate?pleasure of owning something,even if they do not have enough money to pay for it at the time．With?credit cards people pay for goods or services at the end of each month instead of when they buy them．And when the time does come to pay,most credit cards offer people a choice．They can pay all of?what they owe for the month or they can just pay usually between 5 and 10 percent of what they owe．

What is the best title for the passage?

A.Credit—a Way of Life in America
B.Credit Services in America
C.Convenience of Living in America
D.History of Credit Cards in America

What is your goal in life?

A:plan
B:aim
C:arrangement
D:idea

What is your goal in life?

A:plan
B:aim
C:arrangement
D:idea