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最新公共英語五級(jí)閱讀完型基礎(chǔ)練習(xí)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.
61.The purpose of insurance is to___.
[A]give you money whenever you need
[B]protect you from financial risks
[C]save money
[D]outlive money
62.What does the underlined word“they”in Paragraph 2 refer to?
[A]Creative and competitive insurance products.
[B]Insurance companies.
[C]Other alternatives.
[D]Investments.
63.What 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.
64.What 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.
65.Which 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(duì)于一般人來說，最大的一種風(fēng)險(xiǎn)就是早逝。因此，購買人壽保險(xiǎn)是最為劃算也是最為廉價(jià)的一種選擇。但是，保險(xiǎn)公司的投保品種卻不止這一種。投資于保險(xiǎn)可以免稅。但是，保險(xiǎn)作為一種投資也有缺點(diǎn)，就是承保范圍可能會(huì)需要費(fèi)用成本。很多公司的大病保險(xiǎn)可以立即支付1/4的保費(fèi)，但保險(xiǎn)業(yè)在提供多種產(chǎn)品的同時(shí)也使選擇更加復(fù)雜化和困難。
答案及解析
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(xiǎn)公司已經(jīng)開發(fā)了一些很有創(chuàng)造性的，能與其他替代產(chǎn)品，諸如投資競爭的產(chǎn)品。它們能夠滿足任何一種全面投資計(jì)劃的需求。”可見“它們”即指“creative and competitive insurance products”。
63.C【解析】由第三段最后一句“Life insurance is an...is not subject to taxes.in 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】由文章最后一段中的“The positive side of it is there are better products--they’re cheaper and more flexible.”可知。
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