錄音一
When purchasing life insurance, there are many important factors to consider: one should buythe policies that give the most protection at the least cost, insure the right family members, and consider the family's financial needs.
購(gòu)買(mǎi)人身保險(xiǎn)需要考慮許多重要因素：購(gòu)買(mǎi)的保單應(yīng)當(dāng)以最少的花費(fèi)提供最大的保護(hù)，給合適的家庭成員投保，以及考慮家庭的理財(cái)需求。
It's important to buy the insurance from companies that are financially sound and that arerepresented by honest, well-trained agents.
重要的是投保公司應(yīng)當(dāng)財(cái)力雄厚，作為代表的業(yè)務(wù)員應(yīng)當(dāng)誠(chéng)信專(zhuān)業(yè)。
At various stages in a person's life, different kinds of life insurance are needed for particularsituations.
在人生的各個(gè)階段，不同情況需要不同的人身保險(xiǎn)。
Jerry is single and has no dependents, probably the only life insurance he needs is enough tocover his debts and burial expenses.
杰瑞單身，沒(méi)有需要照顧的家屬，可能他唯一需要的人身險(xiǎn)只要能覆蓋債務(wù)和殯葬費(fèi)用就夠了。
Insurance can be purchased at a lower rate during the young years, but by buying while young, the premiums are paid in for a longer period of time.
可以年輕時(shí)就開(kāi)始以較低頻率購(gòu)買(mǎi)保險(xiǎn)，不過(guò)年輕時(shí)開(kāi)始購(gòu)保的話，繳納保險(xiǎn)費(fèi)的時(shí)間跨度更長(zhǎng)。
In the end, the amount paid for premiums is about the same.
結(jié)果是，繳納的保費(fèi)總量上差不多。
A person shouldn't buy insurance protection that really isn't necessary.
不應(yīng)當(dāng)買(mǎi)沒(méi)必要的保險(xiǎn)。
Suppose that Jerry marries Jeannette who is a college graduate and is working.
假設(shè)杰瑞和珍妮特結(jié)婚了，后者是大學(xué)畢業(yè)生，還有工作。
Perhaps enough insurance would be needed to cover their debts and burial expenses.
也許需要足夠的保險(xiǎn)覆蓋兩個(gè)人的債務(wù)和殯葬費(fèi)用。
Now, Jeannette has quit work and their first child is on the way.
現(xiàn)在珍妮特辭職了，即將生一胎。
They have purchased a home with a small down payment and a 30-year mortgage.
他們買(mǎi)了房子，首付金額不大，需按揭三十年。
The situation regarding life insurance takes on a different look.
關(guān)于人身險(xiǎn)的情況發(fā)生變化。
There are dependents who need financial protection.
有家屬需要財(cái)務(wù)保護(hù)。
How much insurance is needed?
需要多少保險(xiǎn)呢?
As the family increases in size, it is essential to add more insurance on the breadwinner toprotect the dependents.
家庭規(guī)模增長(zhǎng)過(guò)程中，必須要給頂梁柱投入更多保險(xiǎn)，以此保護(hù)家人。
When the children are young and depend upon the family for financial needs, families withmodest incomes have difficulty providing enough life insurance to protect the mother and thechildren.
孩子還小，依賴(lài)家庭滿(mǎn)足財(cái)務(wù)需求，收入不高的家庭難以購(gòu)買(mǎi)足夠的人身險(xiǎn)來(lái)保護(hù)母親和孩子。
Families with modest incomes should insure the breadwinner or breadwinners first.
收入不高的家庭應(yīng)當(dāng)只給或優(yōu)先給頂梁柱投保。
When considering the amount of insurance for the mother with dependent children, substitute child care is a need that should be planned for until the children can care forthemselves.
考慮為孩子還需照顧的母親投多少保險(xiǎn)時(shí)，需要計(jì)劃托兒服務(wù)，直到孩子能照顧自己。
The death of a small child would have no effect upon the income of the family.
幼兒死亡不會(huì)對(duì)家庭收入造成影響。
Perhaps a policy to meet funeral expenses would be sufficient for the young child.
也許滿(mǎn)足殯葬費(fèi)用的保單對(duì)幼兒就足夠了。
Although most people do not take out insurance on their young children.
不過(guò)大多數(shù)人不會(huì)給家里的幼兒投保。
As the children become financially independent of the family, the emphasis on family financialsecurity would shift from protection to saving for the retirement years.
孩子從家庭經(jīng)濟(jì)獨(dú)立后，家庭財(cái)務(wù)安全的重心會(huì)從保障轉(zhuǎn)移到退休儲(chǔ)蓄上。
Every family situation is different, but it is important that each family give adequate thought toplanning its financial future.
不同家庭情況也不同，但重要的是，每個(gè)家庭都要為未來(lái)財(cái)務(wù)計(jì)劃給予充分考慮。
Questions 16 to 18 are based on the recording you have just heard.
請(qǐng)根據(jù)你剛剛聽(tīng)到的對(duì)話回答問(wèn)題16至問(wèn)題18。
16. What life insurance should a single person buy according to the speaker?
問(wèn)題16：根據(jù)說(shuō)話者的發(fā)言，單身者應(yīng)當(dāng)買(mǎi)什么人身險(xiǎn)?
17. What should people do as their family increases in size?
問(wèn)題17：家庭規(guī)模擴(kuò)張時(shí)人們應(yīng)當(dāng)做什么?
18. When should one change their life insurance?
問(wèn)題18：什么時(shí)候人們應(yīng)當(dāng)更改人身保險(xiǎn)?
