题目内容
Text 3 Insurance is supposed to provide protection against financial risks, and while dying too soon is one major risk we face, another risk more and more people fear is outliving their money. As a result, a growing array of life insurance products make it possible to protect against both of those risks. In many of today’s life insurance products, MacDonald notes, "The death benefit portion really has become a commodity type product, so if someone is really concerned about the financial impact of dying young, then they can get a pretty good deal by buying term insurance on a commodity basis--find the cheapest policy and buy it." But, he says, "The other side of the coin is that insurance companies have developed products that can be very creative, and very competitive to other alternatives, including investments. They can fill a very important role in any overall investment plan." Variable and universal policies offer people choices in how much they want to put into their policies and how they want their funds invested. These funds can then be tapped later on to provide a lump sum for purchasing a retirement home or a stream of retirement income. Life insurance is an attractive investment vehicle, because the" inside buildup," the accumulation of funds inside a policy structure, is not subject to taxes, in contrast to other personal investments. However, MacDonald and others warn against using insurance policies purely as an investment. While there are tax advantages, there are also the costs associated with the insurance coverage, and if you don’t need that coverage these can be expensive ways to invest. Moreover, MacDonald notes that some companies are offering insurance that has a critical illness or long-term care benefit. These policies specify that if someone suffers a heart attack, for example, they will get 25 % of the face amount of the insurance policy immediately rather than at death. Or if they must be confined to a nursing home, they will be able to use up to the face amount of the policy to pay the nursing home costs. Amid the proliferation of insurance products, MacDonald says, "The positive side of it is there are better products--they’re cheaper and more flexible. The downside is that it’s more complicated and easier to make a mistake. In the past, it was plain vanilla; everybody was selling the same product and everybody had to find an agent they liked. Now there has been significant changes in product structure and design, and benefits, and so it is worthwhile to shop around." What advantage will there be if one buys life insurance instead of making other investments
查看答案
搜索结果不匹配？点我反馈
更多问题
Questions 11～13 are based on the following conversation. You now have 15. seconds to read Questions 11～13. People who visit London will certainly go to
Part A You will hear a conversation. As yon listen, answer Questions 1 to 10 by circling True or False. You will hear the conversation ONLY ONCE. You now have 60 seconds to read Questions 1 - 10. Wang prefers to live with an English family.
Part A You will hear a conversation. As yon listen, answer Questions 1 to 10 by circling True or False. You will hear the conversation ONLY ONCE. You now have 60 seconds to read Questions 1 - 10. Wang has some experience in CAD.
Text 2 Few people doubt the fundamental importance of mothers in childrearing, but what do fathers do Much of what they contribute is simply the result of being a second adult in the home. Bringing up children is demanding, stressful and exhausting. Two adults can support and make up for each other’s deficiencies and build on each other’s strengths. Fathers also bring an array of unique qualities. Some are familiar: protector and role model. Teenage boys without fathers are notoriously prone to trouble. The pathway to adulthood for daughters is somewhat easier, but they must still learn from their fathers, in ways they cannot from their mothers, how to relate to men. They learn from their fathers about heterosexual trust, intimacy and difference. They learn to appreciate their own femininity from the one male who is most special in their lives. Most important, through loving and being loved by their fathers, they learn that they are love-worthy. Current research gives much deeper--and more surprising--insight into the father’s role in childrearing. One significantly overlooked dimension of fathering is play. From their children’s birth through adolescence, fathers tend to emphasise play more than caretaking. The father’s style of play is likely to be both physically stimulating and exciting. With older children it involves more teamwork, requiring competitive testing of physical and mental skills. It frequently resembles a teaching relationship: come on, let me show you how. Mothers play more at the child’s level. They seem willing to let the child direct play. Kids, at least in the early years, seem to prefer to play with daddy. In one study of 2-year-olds who were given a choice, more than two-thirds chose to play with their fathers. The way fathers play has effects on everything from the management of emotions to intelligence and academic achievement. It is particularly important in promoting self-control. According to one expert, "children who roughhouse with their fathers quickly learn that biting, kicking and other forms of physical violence are not acceptable." They learn when to "shut it down." At play and in other realms, fathers tend to stress competition, challenge, initiative, risk-taking and independence. Mothers, as caretakers, stress emotional security and personal safety. On the playground fathers often try to get the children to swing ever higher, while mothers are cautious, worrying about an accident. We know, too, that fathers’ involvement seems to be linked to improved verbal and problem-solving skills and higher academic achievement. Several studies found that along with paternal strictness, the amount of time fathers spent reading with them was a strong predictor of their daughters’ verbal ability. For sons the results have been equally striking. Studies uncovered a strong relationship between fathers’ involvement and the mathematical abilities of their sons. Other studies found a relationship between paternal nurturing and boys’ verbal intelligence. The first paragraph points out that one of the advantages of a family with both parents is ______.
微信支付 
支付宝支付