A、The buying of life insurance is not the business of guessing. B、There must be a standard amount of life insurance for people.

Life insurance isn’t fun to buy. It forces you to think about your death, a subject many prefer not to confront. But there is a single, overriding reason to buy life insurance: to provide an income for your dependents if you die.
    Don’t depend solely on an agent to figure out your life-insurance needs. Rule-of-thumb estimates such as five or eight times of your income are guesses; they may produce too little or too much insurance. Carry too little insurance and you may not provide a reasonable standard of living for your family after your death; carry too much and you may not enjoy a reasonable standard of living while you are alive.
    According to statistics, most people who have life insurance don’t have enough. Then, how do you determine the amount of life insurance you would need to maintain your family’s current life style if the breadwinner died? First, figure what your family’s expenses would be if you died tomorrow. Then analyze your assets and the sources of income that you can use to cover the expenses. Finally, subtract the assets from the needs. The result is the amount of additional insurance that you’ll need to buy.
26. What does the speaker think of buying life insurance?
27. Which of the following is true according to the speaker?
28. What is the most important thing to consider in buying life insurance?
29. What is the key element in determining the amount of life insurance?
30. What is the purpose of the talk?