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2015陕西信合招聘笔试每日一练:11月22日

2015-11-22 11:26 陕西人事考试网 http://sn.huatu.com/ 文章来源:陕西人事考试网

  
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  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(保险费).

  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) 保险

  C)彩票

  D) 策略,体例

  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

  参考译文

  终身人寿保险是一种永远保险呵护,只要你支出保险费,它就可以呵护你的整个生平,年夜你采办保险的那天起头直至你的衰亡。

  终身人寿保险是一个安靖的基本。因为它向你的家庭和企业供给毕生的呵护,是以,你可以在这个基本之上成立持久的财政打算。

  终身人寿保险供给根基的保险呵护,外加:典质呵护、房产维护、退休基金、福利捐赠、企业需求等。

  人寿保险代办代庖将会协助你确定,在你衰亡往后,为了呵护你的家人或者企业所需的保险金额。

  凡是在第一年之后,保险单就会起头增添现金价值。你的保单中的现金数目凡是每年城市增添。这些资金可以用来采办衡宇,投资孩子的教育,增添到退休收入中或者用于其他用途。你也可以让它存在保险单中继续增值。

  终身人寿保险可以获得盈利。盈利的分配是由每年召开的公司董事会抉择的,它并不是有保障的。如不美观盈利应该获得偿付,那么你可以选择拿现金用它来采办更多的保险或者支出和削减你的保险费的体例把它要回。

  如不美观你不幸衰亡,我们公司会向你的受益人支出衰亡抚恤金,它凡是是保险面额外加任何可能的盈利。这些资金凡是是由受益人享用的,它们都不需要付所得税。

  参考答案及解析

  1.【解析】B。细节题。年夜原文第一段第一句话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,终身人寿保险刻日是年夜你采办保险的那天起头直至衰亡之日的。

  2.【解析】D。细节题。第三段起头连着的两个段落,说了然终身人寿保险的浸染,搜罗供给basic insurance protection,Mortgage protection,Estate preservation,Retirement funding,Charitable giving,Business needs等六项。

  3.【解析】A。细节题。年夜第五段A life insurance agent will help you determine an amount of insurance needed...可以找到谜底。

  4.【解析】B。释义题。本文是讲保险方面的内容,经由过程上下文提醒,可以判定policy在这里的意思是“保险单”。

  5.【解析】B。细节题。最后一段When you die,the company will pay your beneficiaries the death benefit,声名在投保人死后,保险公司把衰亡抚恤金交给受益人。


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