Four Insurance Policies You Can' t Do Without

A single gap in insurance coverage could wipe out the money that yon' ve earned for many years through your hard work.That' s why it' s important to give yourself a yearly insurance checkup, whether you buy your policies through an agent or from one of the growing number of insurance companies.

Health.Before selecting a policy from your employer or deciding among Medicare options, review your current health,predictable medical needs, and family status.This review should help you avoid a plan that fails to cover a necessary treatment or paying for services that you know you'll never use.

Disability. Your chances of becoming disabled before you retire are far greater than your chances of dying. So every working person needs some kind of disability coverage. If you are working for an employer who offers less than that, you can buy an individual policy to promote your coverage.

Homeowners or renters. Make sure you have replacement-cost coverage that would pay the current costs of rebuilding your home and replacing your personal possessions. A policy that would only pay for the decrease in value of these items isn' t good enough, because you could end up recovering just a small part of their costs. Don' t forget flood and/or earthquake insurance if you live in a locate that has a possible tendency to these types of disasters.

Life. Empty nesters and retirees may. no longer need life insurance at all. But if you have dependents who would suffer financially if you died, it' s still a must.

65. To have your insurance checkup every year is mainly because _______.

      A. the gap in insurance coverage could cost you a large sum

      B. the gap in insurance coverage could bring you benefits

      C. some insurance agencies cover few of your policies

      D. too many insurance companies prefer to sell coverage

66. _______ can be ignored while deciding among Medicare choices.

      A. Your necessary treatment.        B. Your personal health at present.

      C. Your social status.                 D. Your predictable medical needs.

67. Which of the following is NOT true according to the passage?

      A. Workers needn' t buy personal disability coverage if their bosses offer that

      B. Insurance companies can secure the full value of private possessions

      C. Earthquake insurance can cover replacement-cost caused by the disaster

      D. Divorced or retired people may need life insurance for their dependents

68. We can infer that demand for insurance_______.

      A. varies due to individual needs of coverage

      B. stays the same whether you are working or not

      C. increases when we move to a new place

      D. decreases if we have a large family to support

【小題1】A

【小題2】C

【小題3】B

【小題4】A

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