評論
打印
Recording One
錄音一
When purchasing life insurance, there are many important factors to consider: one should buy the policies that give the most protection at the least cost, insure the right family members, and consider the family's financial needs.
購買人身保險需要考慮許多重要因素：購買的保單應當以最少的花費提供最大的保護，給合適的家庭成員投保，以及考慮家庭的理財需求。
It's important to buy the insurance from companies that are financially sound and that are represented by honest, well-trained agents.
重要的是投保公司應當財力雄厚，作為代表的業(yè)務員應當誠信專業(yè)。
At various stages in a person's life, different kinds of life insurance are needed for particular situations.
在人生的各個階段，不同情況需要不同的人身保險。
Jerry is single and has no dependents, probably the only life insurance he needs is enough to cover his debts and burial expenses.
杰瑞單身，沒有需要照顧的家屬，可能他唯一需要的人身險只要能覆蓋債務和殯葬費用就夠了。
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.
可以年輕時就開始以較低頻率購買保險，不過年輕時開始購保的話，繳納保險費的時間跨度更長。
In the end, the amount paid for premiums is about the same.
結(jié)果是，繳納的保費總量上差不多。
A person shouldn't buy insurance protection that really isn't necessary.
不應當買沒必要的保險。
Suppose that Jerry marries Jeannette who is a college graduate and is working.
假設杰瑞和珍妮特結(jié)婚了，后者是大學畢業(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覆蓋兩個人的債務和殯葬費用。
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)于人身險的情況發(fā)生變化。
There are dependents who need financial protection.
有家屬需要財務保護。
How much insurance is needed?
需要多少保險呢？
As the family increases in size, it is essential to add more insurance on the breadwinner to protect the dependents.
家庭規(guī)模增長過程中，必須要給頂梁柱投入更多保險，以此保護家人。
When the children are young and depend upon the family for financial needs, families with modest incomes have difficulty providing enough life insurance to protect the mother and the children.
孩子還小，依賴家庭滿足財務需求，收入不高的家庭難以購買足夠的人身險來保護母親和孩子。
Families with modest incomes should insure the breadwinner or breadwinners first.
收入不高的家庭應當只給或優(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 for themselves.
考慮為孩子還需照顧的母親投多少保險時，需要計劃托兒服務，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.
幼兒死亡不會對家庭收入造成影響。
Perhaps a policy to meet funeral expenses would be sufficient for the young child.
也許滿足殯葬費用的保單對幼兒就足夠了。
Although most people do not take out insurance on their young children.
不過大多數(shù)人不會給家里的幼兒投保。
As the children become financially independent of the family, the emphasis on family financial security would shift from protection to saving for the retirement years.
孩子從家庭經(jīng)濟獨立后，家庭財務安全的重心會從保障轉(zhuǎn)移到退休儲蓄上。
Every family situation is different, but it is important that each family give adequate thought to planning its financial future.
不同家庭情況也不同，但重要的是，每個家庭都要為未來財務計劃給予充分考慮。
Questions 16 to 18 are based on the recording you have just heard.
請根據(jù)你剛剛聽到的對話回答問題16至問題18。
16. What life insurance should a single person buy according to the speaker?
問題16：根據(jù)說話者的發(fā)言，單身者應當買什么人身險？
17. What should people do as their family increases in size?
問題17：家庭規(guī)模擴張時人們應當做什么？
18. When should one change their life insurance?
問題18：什么時候人們應當更改人身保險？
