特别广播英语第 43 课：Insurance 美国的保险业务-2

Three reasons why we are unwilling to discuss insurance can be suggested. 我们之所以不愿讨论保险的三个原因可表述如下：

First of all, insurance is expensive. A young father who purchases a fairly small life insurance policy agrees to pay a sum of $200 every year for 40 years - a total of $8,000. 第一，保险费太贵。有一位年轻的父亲，买了相当小的一份人寿保险单。他同意每年支付的保险费钱数是200美元，连续支付40年--总额共达8000美元！

Many college students pay $800 to $1,000 per year for car insurance. 许多大学生每年支付小汽车保险费800到1000美元。

In effect, they pay as much for the insurance as they do for the car itself. 实际算起来，他们支付保险费的钱数跟他们购买那辆汽车本身的钱数是一样多的。

Health insurance that pays for modern medical miracles often costs Americans as much as $2,000 every year. 通常美国人每年都要支付2000美元的健康保险费，用这笔钱来支付现代医药界所创造出的一些奇迹。

Adequate insurance is expensive; it is a major item for most families. 全方位的投保太费钱了。各方面都投保的费用是绝大多数家庭的主要开支项目。

Insurance also reminds us that we live in an unsafe world. 第二，保险也使我们想到我们是生活在一个不安全的世界里。

We are human and we must face the possibilities of illness, injury, death, and financial loss. 我们必须面对可能生病、受伤、死亡和财产损失这些灾祸。