Two Have you ever bought any insurance?
你買過保險嗎？

1 Introduction
A Many more people buy insurance in America than in China. One reason is that Americans have more cars and they must get car insurance. There are different kinds of insurance polices. Collision insurance, the cheapest, only pays for damage to your car. Other kinds of insurance, which are more expensive, pay for greater types of damage and more types of accidents. Normally, the person who causes the accident must use their own insurance to pay for damage to other people.
在美國，買保險的人比中國多。一個原因是美國人車多，而且他們也必須為車買保險。保險有各種不同類型的險種。碰撞險是最便宜的一種，但它只賠償對你車的損失。其他各類貴一點的保險賠償更多類型的損失以及更多類型的事故。通常肇事者必須用他們自己的保險來賠償給其他人。

B Also many jobs come with insurance. Most employers provide very basic life insurance for all their employees. Some of them also provide health insurance, though the cost is deducted from the employees’ regular salary. The cost of group insurance is cheaper the more people there are in the group.
另外很多工作報酬中也包括保險。多數(shù)雇主為他們所有的雇員提供非常基本的人壽保險。一些還提供健康保險，盡管費用會從員工的工資中扣除。集體保險人越多，費用也越少。

2 Sample Sentences
1. The insurance policy protects you against injury.
如遭傷害,這保險單保證償付你的損失。
2. I found a job selling insurance.
我找了一份推銷保險的工作。
3. My husband works in insurance.
我丈夫從事保險業(yè)。
4. He has $100,000 life insurance, which his wife will receive if he dies first.
他有10萬美元的人壽保險,如果他先去世,他的妻子將得到這筆錢。
5. My friend tried to persuade me into buying insurance for my son.
我的朋友試著想說服我為我兒子買保險。
6. We offer dental and health insurance that covers every member of the family.
我們?yōu)檫@個家庭的每位成員提供牙科和醫(yī)療保險。
7. Doctors across the country are quitting their jobs because they can't afford malpractice insurance.
全國的醫(yī)生在放棄他們的工作，因為他們負(fù)擔(dān)不起職業(yè)過失保險。
8. Health care insurance premiums are climbing.
健康保險費在上升。
9. I do not worry about having insurance for every potential problem.
我不擔(dān)心要為每一個潛在的問題買保險。
10. In my state, it is required that you have driver’s insurance for your car.
在我這個州，你必須得為你的車買駕駛員保險。

3 Conversations
1. Life insurance salesman.
Man: Good afternoon Miss, would you be interested in buying more life insurance? You know, you can never get enough.
Miss: I think my husband has some.
Man: Are you sure he’s purchased enough insurance for both of you? If something terrible happened with your husband, and he doesn’t have sufficient1 insurance, my company does have a policy that could cover you and your husband if something happened to either of you.
Miss: That’s true. If something happened to my husband, I might lose everything. Both of us have to work to keep our home, car, and our children’s education. I can’t afford that by myself.
Man: Could we sit and look at the policy I mentioned and see if that’s something suitable for you and your husband?
Miss: Certainly.
【譯文】
——下午好，小姐，你有興趣再買一些人壽保險嗎？你知道的，你從來都不能買夠的。
——我想我老公有一些。
——你能肯定他為你們兩個都買夠了保險嗎？如果有什么不好的事發(fā)生在你丈夫身上，而他又沒有足夠的保險，我公司正好有一條保險契約能使你和你丈夫免遭損失，如果你們中的任何一個出了什么事。
——那倒是真的。如果我丈夫發(fā)生什么事，我可能會失去一切。我們兩個都必須工作保住我們的家、車子，還有我們孩子的教育。我一個人是負(fù)擔(dān)不起這些的。
——我們可以坐下來看看上述我所講的這個保險條款，看它是否適合你和你丈夫，好嗎？
——當(dāng)然。

2. Car insurance. A client just had an accident.
Client: That was a beautiful car. It’s a new car, but it’s totaled2.
Agent: Well, your insurance covers sufficient money to replace it. So you don’t need to worry.
Client: I don’t think I could afford that kind of car again. I think I’ll have to choose something that is not as hard to replace.
Agent: Since you are not the one who caused the accident, your insurance cost should be the same.
Client: What will happen if I chose a smaller car? Would the payments be the same?
Agent: If you got a smaller car, the cost should be a little less depending on the model, age, and size. Would you still want full coverage3?
Client: Yes.
【譯文】
——那真是一輛漂亮的車。還是新車，但是全毀了。
——但是，你買的保險賠償足夠的錢代替它呀。所以你不必?fù)?dān)心。
——我想我再也買不起那種車了。我想我將不得不選擇一種不這么難以替換的車。
——既然事故不是你造成的，你的保險費用應(yīng)該（和以前）一樣多。
——如果我選擇一輛小型一點的車，那會怎么樣？保險費還會一樣多嗎？
——如果你買輛小型的車，費用應(yīng)該少一些，這取決于型號、使用過的時間，還有尺寸大小。你還想買全額保險嗎？
——對。

3. Employment benefits.
A: Hey, Frank. I heard you got a new job.
B: Yeah, Judy. I will be working for the Post Office. It’s not a bad job.
A: Is it true that you have a heavy work schedule?
B: That’s right. I report to work at 5:00 am everyday, and I only get 45 minutes for lunch.
A: So, why did you apply for such a demanding4 job?
B: Well, the government offers its employees excellent health insurance benefits.
A: Oh, I see. And can your family utilize5 the health insurance, too?
B: Yeah, that’s the best part. All of my children can get free medical care6.
A: That’s a great employment benefit!
B: Now you know why I wanted to work for the Post Office!
【譯文】
——嘿，弗蘭克，我聽說你找到了一份新工作。
——是啊，朱迪。我將在郵電局工作。這份工作不錯。
——你的工作時間表是不是很繁重啊？
——的確是。 我每天早上5點鐘去上班，中午只有45分鐘的時間吃飯。
——那你還應(yīng)聘這份吃力的工作？
——但是，政府提供員工很好的健康醫(yī)療保險。
——噢，我明白了。那你的家人也可以享受這份健康保險嗎？
——可以，好就好在這里。我所有的孩子都可以免費得到醫(yī)療護(hù)理。
——這份工作的福利可真好！
——現(xiàn)在你知道我為什么想要在郵電局工作了吧！

4 Words and Expressions
1. sufficient 足夠的,充分的
2. total 【俚】使完全毀壞
3. full coverage 全額保險，完全承保
4. demanding 使人吃力的;高要求的
5. utilize 利用
6. medical care 醫(yī)療護(hù)理