2017年公共英語(yǔ)三級(jí)閱讀理解模擬題（3）

　　Whole life is permanent insurance protection that protects you for your whole life, from the day you purchase the policy until you die, as long as you pay the premiums(保險(xiǎn)費(fèi)).

　　Whole life can be a solid foundation. Upon this foundation you can build a long-term financial plan, because it guarantees lifetime protection for your family or business.

　　Whole life insurance provides basic insurance protection, plus Mortgage protection, Estate preservation, Retirement funding, Charitable giving, Business needs...

　　A life insurance agent will help you determine an amount of insurance needed to protect your family or business in the event of your death.

　　Generally after the first year, the policy begins to increase cash value. The amount of cash value in your policy usually increases every year. This money can be used to help purchase a home, fund a child's education, add to retirement income, or for any other purpose. You may also choose to leave it in the policy and allow it to grow.

　　A whole life policy can earn dividends. Dividends are determined by the company' s board of directors each year and are. not guaranteed. When a dividend is payable, you may choose to take it in cash, use it to buy more insurance or to pay or reduce your premiums.

　　When you die, the company will pay your beneficiaries the death benefit, usually the face amount of the policy plus any dividend. This money is generally received by the beneficiaries free from income tax.

　　1. What is whole life insurance?

　　A) It's permanent insurance protection from the day you were born until you die.

　　B) It's permanent insurance protection that protects you for your whole life, from the day you buy it until you die.

　　C) It's insurance protection for your whole family members.

　　D) It's income protection insurance.

　　2. What can whole life insurance do for you?

　　A) It only provides basic insurance protection.

　　B) It provides Mortgage protection and Estate preservation.

　　C) It offers Retirement funding, Charitable giving, Business needs.

　　D) It not only offers basic insurance protection, but also provides Mortgage protection, Estate preservation, Retirement funding, Charitable giving and Business needs.

　　3. According to the passage, who will help you determine an amount of insurance needed?

　　A) A life insurance agent.

　　B) Nobody except yourself.

　　C) Your family members.

　　D) Your lawyer.

　　4. The word“policy”in the fifth paragraph probably means ________.

　　A) 政策

　　B) 保險(xiǎn)

　　C)彩票

　　D) 策略，方法

　　5. When you die, the death benefits of your life insurance will ________.

　　A) be lost

　　B) be paid to your beneficiaries

　　C) be possessed by the insurance company

　　D) will be given to the government

　　參考譯文

　　終身人壽保險(xiǎn)是一種永久保險(xiǎn)保護(hù)，只要你支付保險(xiǎn)費(fèi)，它就可以保護(hù)你的整個(gè)一生，從你購(gòu)買保險(xiǎn)的那天開始直至你的死亡。

　　終身人壽保險(xiǎn)是一個(gè)穩(wěn)固的基礎(chǔ)。因?yàn)樗�向你的家庭和企業(yè)提供畢生的保護(hù)，因此，你可以在這個(gè)基礎(chǔ)之上建立長(zhǎng)期的財(cái)政計(jì)劃。

　　終身人壽保險(xiǎn)提供基本的保險(xiǎn)保護(hù)，外加：抵押保護(hù)、房產(chǎn)維護(hù)、退休基金、福利捐贈(zèng)、企業(yè)需求等。

　　人壽保險(xiǎn)代理將會(huì)協(xié)助你確定，在你死亡以后，為了保護(hù)你的家人或者企業(yè)所需的保險(xiǎn)金額。

　　通常在第一年之后，保險(xiǎn)單就會(huì)開始增加現(xiàn)金價(jià)值。你的保單中的現(xiàn)金數(shù)量通常每年都會(huì)增長(zhǎng)。這些資金可以用來(lái)購(gòu)買房屋，投資孩子的教育，增加到退休收入中或者用于其他用途。你也可以讓它存在保險(xiǎn)單中繼續(xù)增值。

　　終身人壽保險(xiǎn)可以獲得紅利。紅利的分配是由每年召開的公司董事會(huì)決定的，它并不是有保障的。如果紅利應(yīng)該得到償付，那么你可以選擇拿現(xiàn)金用它來(lái)購(gòu)買更多的保險(xiǎn)或者支付和減少你的保險(xiǎn)費(fèi)的方式把它要回。

　　如果你不幸死亡，我們公司會(huì)向你的受益人支付死亡撫恤金，它通常是保險(xiǎn)面額外加任何可能的紅利。這些資金通常是由受益人享用的，它們都不需要付所得稅。

　　答案及精解

　　1.【答案精解】B。細(xì)節(jié)題。從原文第一段第一句話Whole life is permanent insurance protection that protects you for your whole life，from the day you purchase the policy until you die，可以得知，終身人壽保險(xiǎn)期限是從你購(gòu)買保險(xiǎn)的那天開始直至死亡之日的。

　　2.【答案精解】D。細(xì)節(jié)題。第三段開始連著的兩個(gè)段落，說(shuō)明了終身人壽保險(xiǎn)的作用，包括提供basic insurance protection，Mortgage protection，Estate preservation，Retirement funding，Charitable giving，Business needs等六項(xiàng)。

　　3.【答案精解】A。細(xì)節(jié)題。從第五段A life insurance agent will help you determine an amount of insurance needed...可以找到答案。

　　4.【答案精解】B。釋義題。本文是講保險(xiǎn)方面的內(nèi)容，通過(guò)上下文提示，可以判斷policy在這里的意思是“保險(xiǎn)單”。

　　5.【答案精解】B。細(xì)節(jié)題。最后一段When you die，the company will pay your beneficiaries the death benefit，說(shuō)明在投保人死后，保險(xiǎn)公司把死亡撫恤金交給受益人。