When you buy life insurance，you want a policy that fits your needs at reasonable cost. Y

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 childs 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 companys 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. What is whole life insurance？

A.Its permanent insurance protection from the day you were born until you die.

B.Its permanent insurance protection that protects you for your whole life, from the day you buy it until you die.

C.its insurance protection for your whole family members.

D.Its income protection insurance.

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. 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.

From the passage we may say that ______.

A．a health insurance policy is more useful than a cancellation insurance policy

B．a cancellation insurance policy can make your trip safe and comfortable

C．when you get sick while traveling away from home, you'd better buy a health insurance

D．travel insurance is strongly recommended when you travel away from home

A．Universal life insurance was the best solution to the rigidity of whole life insuranc

E．It let consumers enjoy much greater flexibility by allowing premium payment amounts to be adjustabl

E．With a universal life policy, you could also withdraw from your plan without the heavy penalties and interest that whole life plans carried with them．

B．Other varieties of permanent life insurance later came on the sc

E．For example,variable life insurance emerged as a solution for consumers who wanted to take a greater risk with their investment but also gain the potential for much higher returns． Variable permanent life insurance is the best of both worlds because it combines the perks of whole life with the flexibility of universal． You can have greater control over the money you invest in your plan when you choose this option． Additionally, permanent health insurance plans all have great tax breaks, so when you combine the tax incentives of permanent life with the possible returns of investing in a variable plan, you may see your money explode in growth over tim

E．No matter which permanent life option you choose,if you think you are a candidate for coverage,you should seek out an independent financial advisor that can assist you with choosing from these options．

C．You know that investing, risk, and liquidity are not your primary motivators for purchasing life insuranc

E．The main reason is to protect your family with money for their living expenses if you di

E．The great thing about permanent life insurance is that it accomplishes this goal for your whole lifetime,and although investing is secondary, you also get the key benefit of an investment component． A permanent life insurance policy has a kind of "savings account" built right into the policy, so you have the ability to tap into or borrow against the cash value your policy has accumulated over time

D．Permanent life insurance is better than term life because term insurance only covers you for a predetermined number of years． Although term life plans carry much lower premium payments, the policies build up no cash value over tim

E．Permanent life plans are also great because the cash value that you accumulate over time is not taxed until you decide to withdraw it． You can even sidestep those taxes by taking out a loan against your policy． This is great for people who make a lot of money because they can shelter their earnings in a permanent life plan when they have maxed out all of their other investment options．

E．One of the primary disadvantages of permanent life insurance is that it provides more coverage than most people may nee

D．In addition, if you have not maxed out your other investment options, then a permanent life plan might not be your best investment． The goal of permanent life insurance is to provide growth and protection for investors, but most should really seek out those characteristics in separate plans．

F．Additionally, because premiums for permanent life plans tend to be very high, you may be tempted to buy less of a death benefit than you really nee

D．For example,a permanent life insurance policy for ＄1 million for a 40-year-old woman in great health may cost her as much as ＄13,900 a year． On the other hand,that same woman could land a ＄1 million term policy for 20 years for about ＄750． That’s a massive price difference,so cost may essentially be the biggest disadvantage of permanent life insuranc

E．G． Finally, permanent health insurance plans may not be very transparent, so it may be difficult to figure out how much the policy is actually worth as an investment． Some financial experts point out that a good solution to this problem may be to buy a term policy and invest the rest of your money through other avenues． The first place to start is to ask for life insurance quotes and evaluate which option is right for you．