题目
Insurance companies provide a service to the community by protecting it against expected and unexpected disasters. Before an insurance company will agree to insure anything, it collects accurate figures about the risk. It knows, for example, that the risk of a man being killed in a plane accident is less than the risk he takes in crossing a busy road. This enables it to quote(报价) low figures for travel insurance. Sometimes the risk may be high, as in motor-racing or mountaineering. Then the company charges a much higher price. If too many climbers have accidents, the price rises further. If the majority of climbers fall off mountains, the company will refuse to insure them. An ordinary householder may wish to protect his home against fire or his property against burglary(入室行窃). A shopkeeper may wish to insure against theft. In normal cases, the company will check its statistics and quote a premium(保险费). If it is suspicious(可疑的), it may refuse to quote. If it insures a shop and then receives a suspicious claim, it will investigate the claim as a means of protecting itself against false claims. It is not unknown for a businessman in debt to burn down his own premises so that he can claim much money from his insurance company. He can be sure that the fire will be investigated most carefully. Insurance companies also accept insurance against shipwreck or disaster in the air. Planes and ships are very expensive, so a large premium is charged, but a reduction is given to companies with an accident-free record. Every week, insurance companies receive premium payments from customers. These payments can form a very large total running into millions of dollars. The company does not leave the money in the bank. It invests (投资) in property, shares (股票) , farms and even paintings and stamps. Its aim is to obtain the best possible return on its investment. This is not as greedy as it may seem since this is one way by which it can keep its premiums down and continue to make a profit while being of service to the community. (1). The main idea of the first paragraph is that . A.insurance companies protect the community against disasters B.insurance companies often collect accurate figures about the risk C.insurance companies base their decisions on the risk involved D.insurance companies charge different prices in the same cases (2). The insurance company will usually investigate a suspicious claim to . A.refuse to quote the insurance fee B.make sure that the claim is reasonable C.decide how much the company should pay D.find out when the accident happened (3). The underlined word "premises" in Paragraph 2 most probably means" " A.land and buildings B.insurance contract C.debt papers D.financial papers (4). The author's attitude towards customers' premium payments being used by insurance companies is _____ A.critical B.doubtful C.neutral D.positive (5). The purpose of this passage is to _____ A.explain how insurance companies operate B.encourage people to invest in insurance companies C.persuade people to insure against unexpected disasters D.advise people how to insure their life and property
Insurance companies provide a service to the community by protecting it against expected and unexpected disasters. Before an insurance company will agree to insure anything, it collects accurate figures about the risk. It knows, for example, that the risk of a man being killed in a plane accident is less than the risk he takes in crossing a busy road. This enables it to quote(报价) low figures for travel insurance. Sometimes the risk may be high, as in motor-racing or mountaineering. Then the company charges a much higher price. If too many climbers have accidents, the price rises further. If the majority of climbers fall off mountains, the company will refuse to insure them.
An ordinary householder may wish to protect his home against fire or his property against burglary(入室行窃). A shopkeeper may wish to insure against theft. In normal cases, the company will check its statistics and quote a premium(保险费). If it is suspicious(可疑的), it may refuse to quote. If it insures a shop and then receives a suspicious claim, it will investigate the claim as a means of protecting itself against false claims. It is not unknown for a businessman in debt to burn down his own premises so that he can claim much money from his insurance company. He can be sure that the fire will be investigated most carefully. Insurance companies also accept insurance against shipwreck or disaster in the air. Planes and ships are very expensive, so a large premium is charged, but a reduction is given to companies with an accident-free record.
Every week, insurance companies receive premium payments from customers. These payments can form a very large total running into millions of dollars. The company does not leave the money in the bank. It invests (投资) in property, shares (股票) , farms and even paintings and stamps. Its aim is to obtain the best possible return on its investment. This is not as greedy as it may seem since this is one way by which it can keep its premiums down and continue to make a profit while being of service to the community.
An ordinary householder may wish to protect his home against fire or his property against burglary(入室行窃). A shopkeeper may wish to insure against theft. In normal cases, the company will check its statistics and quote a premium(保险费). If it is suspicious(可疑的), it may refuse to quote. If it insures a shop and then receives a suspicious claim, it will investigate the claim as a means of protecting itself against false claims. It is not unknown for a businessman in debt to burn down his own premises so that he can claim much money from his insurance company. He can be sure that the fire will be investigated most carefully. Insurance companies also accept insurance against shipwreck or disaster in the air. Planes and ships are very expensive, so a large premium is charged, but a reduction is given to companies with an accident-free record.
Every week, insurance companies receive premium payments from customers. These payments can form a very large total running into millions of dollars. The company does not leave the money in the bank. It invests (投资) in property, shares (股票) , farms and even paintings and stamps. Its aim is to obtain the best possible return on its investment. This is not as greedy as it may seem since this is one way by which it can keep its premiums down and continue to make a profit while being of service to the community.
(1).
The main idea of the first paragraph is that .
- A.insurance companies protect the community against disasters
- B.insurance companies often collect accurate figures about the risk
- C.insurance companies base their decisions on the risk involved
- D.insurance companies charge different prices in the same cases
(2).
The insurance company will usually investigate a suspicious claim to .
- A.refuse to quote the insurance fee
- B.make sure that the claim is reasonable
- C.decide how much the company should pay
- D.find out when the accident happened
(3).
The underlined word "premises" in Paragraph 2 most probably means" "
- A.land and buildings
- B.insurance contract
- C.debt papers
- D.financial papers
(4).
The author's attitude towards customers' premium payments being used by insurance companies is _____
- A.critical
- B.doubtful
- C.neutral
- D.positive
(5).
The purpose of this passage is to _____
- A.explain how insurance companies operate
- B.encourage people to invest in insurance companies
- C.persuade people to insure against unexpected disasters
- D.advise people how to insure their life and property
题目解答
答案
(1).C
(2).B
(3).A
(4).D
(5).A
解析
- 考查要点：本题主要考查学生对文章主旨、细节理解、词汇猜测、作者态度及写作目的的综合理解能力。
- 解题思路：
- 主旨题需抓住段落核心逻辑（如第一段强调“风险评估决定保费”）。
- 细节题需定位原文关键句（如第二段“调查可疑索赔”对应公司自保目的）。
- 词汇题需结合上下文语境（如“premises”指代商业场所）。
- 态度题需判断作者是否带有主观色彩（文中客观描述投资行为，态度中立）。
- 写作目的题需总结文章整体功能（解释保险公司运作模式）。
第（1）题
关键句：第一段首句点明保险公司通过风险评估提供服务，后文通过具体例子（飞机事故风险低、高山滑雪风险高）说明保费定价基于风险大小。
选项分析：
- C选项“基于风险决策”直接对应段落核心逻辑。
- 排除干扰项：A项“保护社区”是服务目的而非段落主旨，B项“收集数据”是手段而非结论，D项“同案不同价”是现象而非原因。
第（2）题
关键句：第二段中“investigate the claim as a means of protecting itself against false claims”明确说明调查目的是验证索赔合理性。
选项分析：
- B选项“确保索赔合理”符合文意。
- 排除干扰项：A项“拒报价”是调查后的可能结果而非目的，C、D项未提及。
第（3）题
上下文：文中“businessman in debt to burn down his own premises”中，“premises”指代商业场所。
选项分析：
- A选项“土地和建筑”最符合语境（商业场所通常包含土地和建筑）。
- 排除干扰项：B、C、D项均与商业场所无关。
第（4）题
关键句：第三段“not as greedy as it may seem”表明作者认为保险公司投资是合理且必要的行为。
选项分析：
- D选项“积极”错误，文中未直接肯定投资行为。
- C选项“中立”正确，作者仅客观描述投资逻辑，未表达主观态度。
第（5）题
全文逻辑：文章分三段分别介绍保险公司的风险评估、索赔调查和投资方式，全面解释其运作模式。
选项分析：
- A选项“解释保险公司如何运作”最贴合写作目的。
- 排除干扰项：B、C、D项均偏离文章核心内容。