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，方法

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 government

参考译文

终身人寿保险是一种保险保护，只要你支付保险费，它就可以保护你的整个一生，从你购买保险的那天开始直至你的死亡。

终身人寿保险是一个稳固的基础。因为它向你的家庭和企业提供毕生的保护，因此，你可以在这个基础之上建立长期的财政计划。

终身人寿保险提供基本的保险保护，外加：抵押保护、房产维护、退休基金、福利捐赠、企业需求等。

人寿保险代理将会协助你确定，在你死亡以后，为了保护你的家人或者企业所需的保险金额。

通常在年之后，保险单就会开始增加现金价值。你的保单中的现金数量通常每年都会增长。这些资金可以用来购买房屋，投资孩子的教育，增加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红利。红利的分配是由每年召开的公司董事会决定的，它并不是有保障的。如果红利应该得到偿付，那么你可以选择拿现金用它来购买更多的保险或者支付和减少你的保险费的方式把它要回。

如果你不幸死亡，我们公司会向你的受益人支付死亡抚恤金，它通常是保险面额外加任何可能的红利。这些资金通常是由受益人享用的，它们都不需要付所得税。

答案及精解

1.【答案精解】B。细节题。从原文段句话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，终身人寿保险期限是从你购买保险的那天开始直至死亡之日的。

2.【答案精解】D。细节题。第三段开始连着的两个段落，说明了终身人寿保险的作用，包括提供basic insurance protection，Mortgage protection，Estate preservation，Retirement funding，Charitable giving，Business needs等六项。

3.【答案精解】A。细节题。从第五段A life insurance agent will help you determine an amount of insurance needed...可以找到答案。

4.【答案精解】B。释义题。本文是讲保险方面的内容，通过上下文提示，可以判断policy在这里的意思是“保险单”。

5.【答案精解】B。细节题。后一段When you die，the company will pay your beneficiaries the death benefit，说明在投保人死后，保险公司把死亡抚恤金交给受益人。

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