题目
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.
第1题
A.advantage
B.disadvantage
C.practice
第2题
第3题
One big()of formal education is the high cost.
A. advantage
B. disadvantage
C. strength
第4题
A. The exterior surrounding air is heated。
B. The windows must be cleaned daily.
C. Construction time is increased.
D. Extra air-conditioning equipment is needed.
第5题
A.It does not allow people to have subjective notions of right and wrong
B.It is based on moral duties derived from universal rules
C.It puts too much emphasis on one book or theory
D.It treats morality as if it were an impersonal mathematical calculation
第6题
A.It requires some break in one’s career
B.It tends to last too long for many people to complete a degree program
C.It affects one’s career
D.It gives the student less time to share with the family
第7题
A.the extra weight required for the diesel reduction gearing
B.a minimum speed for the engines that limits the minimum speed of the vessel
C.the higher fuel consumption per SHP
D.the low efficiency of the system when a controllable pitch propeller is used
第8题
A.It can break down under high heat and emit noxious fumes
B.It will decompose under prolonged storage and lose its effectiveness
C.Fire has been known to flash back over the surface of an oil fire
D.It is ineffective in fighting fires in high-voltage electrical equipment
第9题
One advantage of having parents arrange a marriage is financial(23). Of course, money doesn‘t automatically bring happiness,but a(24)of money certainly causes stress in any relationship. A second advantage of an arranged marriage is that parents may(25)a better choice than their children. They are not only older but also more(26)in life experience.Also,parents have been married; therefore, they know better what qualities are(27)in a spouse.
On the other hand, arranged marriages may have some disadvantages. One obvious disadvantage is that parents may choose a wrong person in(28), and the young couple may never be happy together. A second obvious disadvantage is that a young man or woman may already have(29)in love with someone else. If the parents force their children to tie the knot, the result will be a disaster to all concerned.
In conclusion, neither an arranged marriage nor a marriage for love is a good(30)to be happy. Both kinds of marriages take work, patience, and perhaps a little bit of luck.
A) dictate B) deserve C) make D) reserveE)charity F) formula G) security H) demandingI) daring J) fallen K)lack L) desirableM) available N) haste O) superior
第10题
阅读理解:阅读下面的短文,根据文章内容进行判断,正确写“T”错误写“F”。
QUESTIONNAIRESA、ADVANTAGES & DISADVANTAGES
Every coin has two sides and questionnaires are no different. With questionnaires, the advantages outweigh the disadvantages.
ADVANTAGES OF QUESTIONNAIRES
Compared to face-to-face interviews, questionnaires are cheaper for
collecting data from a large number of respondents. Also, questionnaires are easy to analyze, and computer software can easily complete data entry and make tables for nearly all surveys. Questionnaires are familiar to most people as nearly everyone has had some experience completing one. Questionnaires reduce bias when there are no clues to affect the respondents.
DISADVANTAGES OF QUESTIONNAIRES
One main disadvantage of questionnaires is the possibility of low response rates which reduces our confidence in the results. Another disadvantage is they provide little flexibility for the respondents. What’s more, many times the respondent is not the same person you sent the
questionnaire to. Finally, questionnaires are not suitable for some people. For example, a survey to a group of poorly educated people might not work because of reading problems.
1. The advantages of questionnaire are more than disadvantages.{T、F}
2. Questionnaire is the cheapest way for collecting data from respondents.{T、F}
3. Questionnaires have the advantage of being analyzed easily through the computer software.{T、F}
4. Questionnaire is suitable for everyone.{T、F}
5. The respondent is usually the same person you sent the questionnaire to.{T、F}
第11题
One of the difficulties on carrying out a world-wide birth control program lies in the fact that official attitudes to population growth vary from country to country, depending on the level of industrial development and the availability of food and raw materials. In the developing country where a vastly expanded population is pressing hard upon the limits of food, space and natural resources, it will be first concern of government to place a limit on the birthrate, whatever the consequences may be. In a highly industrialized society the problem may be more complex. A decreasing birthrate may lead to unemployment because it results in a declining market for manufactured goods. When the pressure of population on housing declines, prices also decline and the building industry is weakened. Faced with considerations such as these, the government of a developed country may well prefer to see a slowly increasing population, rather than one which is stable of declines.
Small population may mean ______.
A.higher productlvity, but a lower average income
B.lower productivity, but a higher average income
C.lower productivity and a lower average income
D.higher productivity and a higher average income
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