从事危险的工作为什么要买保险？给房子投保的内容是什么
来听今天的讲解:
Beginner
A: I’ve just take out an insurance policy. Are you insured?
我刚买了一份保险。你投保了吗？
B: yes, I am. I have life insurance and my home and its contents are also insured.
是的，我有。我有人寿保险，我的房子和里面的东西也有保险。
A: I took out a life insurance policy and make my wife beneficiary.
我买了一份人寿保险，让我妻子成为受益人。
B: that’s a good idea. You are a fireman and it can be a dangerous job.
这是个好主意。你是一名消防员，这可能是一项危险的工作。
A: I need to make sure that my wife will be financially secure if I die.
如果我死了，我需要确保我妻子在经济上有保障。
B: I can terminate my life insurance policy when I retire and use the money as a pension.
我可以在退休后终止我的人寿保险，并将这笔钱用作养老金。
A: that’s one of the conditions of my policy too. It covers you if you die before you retire and when you retire.
这也是我政策的一个条件。如果你在退休前和退休时去世，它会为你提供保障。
B: did you have to take a medical before you could take out the policy?
你必须先体检才能办理保单吗？
B: yes, I did. It was one of the conditions of the insurance policy. The insurance company need to assess the risk.
是的。这是保险单的条件之一。保险公司需要评估风险。
Intermediate
A: good morning. I’d like to ask some questions about your insurance policies.
早上好。我想问一些关于你的保险单的问题。
B: of course. Please sit down. How many I help you?
当然可以。请坐下。我帮你多少？
A: I bought a house recently and would like to insure it and its content.
我最近买了一栋房子，想为它及其内容投保。
B: I see. Here’s a pamphlet about our home insurance policy. We’ve named our policy ”umbrella”. May I ask how much you paid for your home and where you live? These are the two main thing that decide how much your premiums are.
我明白了。这是一本关于我们房屋保险单的小册子。我们把我们的保单命名为“保护伞”。我可以问一下你为你的房子付了多少钱，住在哪里吗？这是决定保费金额的两个主要因素。
A: I understand. I live in the Oakfield area and paid ＄100,000 for my home.
我明白。我住在奥克菲尔德地区，花了10万美元买了我的房子。
B: let me just check that on my computer. Oaksfield is a low risk area, so your premiums will probably be around ＄100 a month. The other thing to take into account is deductibles.
让我在电脑上查一下。奥克斯菲尔德是一个低风险地区，所以你每月的保费可能在100美元左右。另一个需要考虑的是免赔额。
A: in this pamphlet it says that the minimum amount for deductibles is ＄2000. what does that mean exactly?
在这本小册子中，它说最低免赔额是2000美元。这到底是什么意思？
B: it means That the first ＄2000 of any claim you make must be paid by you. The insurance policy covers any amount above that, up to the agreed limit.
这意味着你提出的任何索赔的第一笔2000美元都必须由你支付。保险单涵盖超过这一数额的任何金额，最高不超过约定的限额。
A: oh, I see. That’s fine. What is the advantage of having higher deductibles?
哦，我明白了。没关系。有更高的免赔额有什么好处？
B: If you have higher deductibles, your premium are lower, because you will pay more of the claim and we will pay less.
如果您有更高的免赔额，您的保费就会更低，因为您将支付更多的索赔，而我们将支付更少的索赔。
A: it seems that I should do some calculations before deciding. I presume that the insurance period can be for as long as we aggress.
看来我应该先计算一下再决定。我想只要我们同意，保险期就可以。
B: we initially sign one-year policies with our policyholders. These are renewable after the first year.
我们最初与投保人签订为期一年的保单。这些保单在第一年后可续期。
A: if I have a claim, how long does it take to make a settlement? I’ve heard that with some insurance companies, it can take monthes.
如果我有索赔，需要多长时间才能达成和解？我听说有些保险公司可能需要几个月的时间。
B: that is of great concern to out clients. We aim to satisfy all claims within a month, but we can’t guarantee that.
这是我们客户非常关心的问题。我们的目标是在一个月内解决所有索赔，但我们不能保证.
