最新公共英語五級閲讀完型基礎練習題

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For the average person, one of the biggest risks is premature death. Therefore, the purchase of life insurance is the most cost-effective and the cheapest option. However, the insurance company's insurance varieties are more than this. Investment in insurance can be tax-free. However, as a kind of investment insurance also has the disadvantage that the scope of the insurance may require cost. Many companies are able to pay a premium of 1 / 4 for serious illness insurance, but the insurance industry is also more complicated and difficult to offer a variety of products.

purpose of insurance is to___.

[A]give you money whenever you need

[B]protect you from financial risks

[C]save money

[D]outlive money

does the underlined word“they”in Paragraph 2 refer to?

[A]Creative and competitive insurance products.

[B]Insurance companies.

[C]Other alternatives.

[D]Investments.

advantage will there be if one buys life insurance instead of making other investments?

[A]He will have money for a retirement home.

[B]It will cost him nothing if he buys an life insurance.

[C]Profit he earns from insurance is tax—free.

[D]It is cheap to buy a life insurance.

does MacDonald warn people when they intend to buy life insurance products?

[A]It is expensive to invest on life insurance products.

[B]Some insurance has some specific terms.

[C]Some insurance companies will Not provide satisfactory terms.

[D]People should not use insurance policies purely as an investment.

h of the following statements is true about insurance products?

[A]People have NO choice when buying insurance products.

[B]There were SO many choices in insurance products in the past that people found it difficult to make a decision.

[C]There are no better and cheaper insurance products.

[D]It is better for people to have so many insurance products to choose.

　　短文賞析

對於一般人來説，最大的一種風險就是早逝。因此，購買人壽保險是最為划算也是最為廉價的一種選擇。但是，保險公司的.投保品種卻不止這一種。投資於保險可以免税。但是，保險作為一種投資也有缺點，就是承保範圍可能會需要費用成本。很多公司的大病保險可以立即支付1/4的保費，但保險業在提供多種產品的同時也使選擇更加複雜化和困難。

61.B【解析】由文章第一段第一句“Insurance is supposed to provide protection against financial risks…”可知。

62.A【解析】劃線單詞所在句子句意為“事情的另一面是：保險公司已經開發了一些很有創造性的，能與其他替代產品，諸如投資競爭的產品。它們能夠滿足任何一種全面投資計劃的需求。”可見“它們”即指“creative and competitive insurance products”。

63.C【解析】由第三段最後一句“Life insurance is not subject to contrast to other personal investments.”可知。

64.D【解析】由第四段第一句“However，MacDonald and others warn aganist using insurance policies purely as an investment.”可知。

65.D【解析】由文章最後一段中的“The positive side of it is there are better products--they’re cheaper and more flexible.”可知。