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  3. Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and thei

Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and thei

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问题    Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person’s taking a large one.
   It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual’ s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual’ s premium, the premium paid by others who did not have losses, and money from the company’ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
Which of the following statements is true?
选项 A、Premium is a small amount of money you pay for your losses.
B、If an individual didn’t have a loss, premium was not wasted, because he didn’t need to worry about unpredictable events.
C、An insurance agent holds premiums paid by the thousands.
D、The premium will be refund if an individual does not have a lose.
答案B
解析 细节题。根据第二段倒数第二句“An individual who does not have a loss loses the premium money but purchases what insurance underwriters call‘peace of mind’．”可知，人们购买保险就是为了获得心灵平静，不用对末来不可预测的事情担心。B项说法正确。A项错在“for your losses”；C项应是insurance company或underwriter持有投保者的保险费，而不是insurance agent；D项如果投保者没有损失，保险费也是不退还的。
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