特别广播英语第 45 课：Insurance 美国的保险业务-4

We don't depend entirely on salespeople when we buy a car, a house, or a suit of clothes. 在我们买小汽车、买房子或买一套衣服时，我们不能完全相信销售人员；

Neither should we depend entirely on the agent when we buy insurance. 在我们买保险时，我们也不应该完全相信或依靠保险公司的代理人。

We need a basic knowledge of insurance coverages if we are to be intelligent consumers. 如果我们打算要做明智的消费者，我们就需要有承保范围或者叫保险涵盖方面的知识。

The intelligent consumer looks problems in the face. 明智的投保人要正视种种问题。

Although accident, illness, and death are not pleasant subjects, each of us knows we face these possibilities. 尽管事故，疾病和死亡都不是令人愉快的话题，但是我们每个人都知道我们都有发生这些灾害的可能。

It is better that we plan for these situations by finding means to deal with them than to just hope that they will somehow go away. 针对这些可能发生的情况，我们计划一下找出对付灾害的办法，这总比我们只是凭空希望这些灾害会不知不觉地自动消失要好得多。

Although insurance can be complex, its basic concepts are neither difficult nor impossible to learn. 尽管保险可能是复杂的，但是保险的一些基本概念既不是很难懂的，也不是不可能学会的。

Quite the opposite. Insurance fundamentals can be understood by those willing to study them. 恰恰相反，只要是愿意学习保险知识的人，都能弄明白保险的基本原则。

Serious study provides knowledge. The study of insurance is an effective, proven method of dealing with the insurance ignorance faced by many American families. 认真地钻研就能获得保险的知识。钻研保险知识是很多美国家庭用来对付不懂保险情况的一种行之有效的切实可行的方法。