任务型阅读
Directions:Read the passage carefully. Fill in each blank with a proper
sentence given in the box. Each sentence can be used only once. Note that there
are two more sentences than you need.
Most parents know that they need life
insurance. But many would rather have a root canal than shop for the best life
insurance policy.
“People don't think about, What will my family do if I am
gone and not earning a living?'” says Peter Katt, a fee-only life insurance
adviser.“ The whole point of this kind of planning is to provide the family
with maximum flexibility so they're not stuck.”
Planning for your death is not a cheerful topic. Too often,
parents make a quick decision, ignoring important considerations. Among their
mistakes one is that they do not buy enough life insurance. {#blank#}1{#/blank#}“They don't think that the person who
is not bringing in an income needs life insurance,” says Greg Daugherty,
executive editor of Consumers Union. But if that person dies, the other parent
can't stop working and usually has to pay someone to help care for the family.
{#blank#}2{#/blank#} Katt recommended that one young couple should
buy $3 million for the husband who earns $100,000 a year and $1 million for the
stay-at-home wife.
At the same time, many families rely on employer-provided
life insurance, but employer-provided coverage is rarely sufficient to support
your family. Many employer-provided policies provide a death benefit of $10,000
to $25,000—barely enough to cover your funeral expense. Some employers provide
a year's salary, but that may also fall well short of the amount your family
would need to maintain its standard of living.
Some employers let workers buy group life insurance through
payroll deductions. They may be a good deal for workers who have health
problems that would disqualify them for an individual policy. But if you're
young and healthy, you may be able to get a better rate on your own.
Another drawback is that if you leave your job, you may not
be able to take your insurance.“ Given the job market, most of us are not
absolutely certain that our jobs are secure,” Daugherty says.“{#blank#}3{#/blank#}”
On the other hand, some families buy too much insurance. Not
everyone needs life insurance. Some people buy life insurance for babies, which
is unnecessary, unless the baby is a child model who is supporting the family,
Daugherty says: The purpose of insurance is to replace the income that a family
has been relying on. Single people and those who have no children to care for
usually don't need life insurance.
Katt says a man with substantial savings in stocks and bonds
and other sources of income recently asked him how much life insurance he
needs.“ I said none,” Katt says. “{#blank#}4{#/blank#}”
A. There are people
who don't need life insurance but have it and many more people who need it but
are woefully uninsured.
B. Families don't
always insure a parent who is staying home to care for the children.
C. Most people put
off buying life insurance for any number of reasons if they even understand it.
D. Even if you have a
lot of insurance at work, it makes sense to have some more insurance on your
own.
E. If you fall seriously
ill of suffer significant injury later, it will make it tougher to get that
kind of policy, if any at all.
F. To make insurance
more affordable, you may not need to buy the same amount of insurance for both
parents.