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Whole life is permanent insurance protection that protects you for your whole life, from the day you purchase the policy until you die, as long as you pay the premiums(保险费).

Whole life can be a solid foundation. Upon this foundation you can build a long-term financial plan, because it guarantees lifetime protection for your family or business.

Whole life insurance provides basic insurance protection, plus Mortgage protection, Estate preservation, Retirement funding, Charitable giving, Business needs...

A life insurance agent will help you determine an amount of insurance needed to protect your family or business in the event of your death.

Generally after the first year, the policy begins to increase cash value. The amount of cash value in your policy usually increases every year. This money can be used to help purchase a home, fund a child\'s education, add to retirement income, or for any other purpose. You may also choose to leave it in the policy and allow it to grow.

A whole life policy can earn dividends. Dividends are determined by the company\' s board of directors each year and are. not guaranteed. When a dividend is payable, you may choose to take it in cash, use it to buy more insurance or to pay or reduce your premiums.

When you die, the company will pay your beneficiaries the death benefit, usually the face amount of the policy plus any dividend. This money is generally received by the beneficiaries free from income tax.

41. What is whole life insurance?

A) It\'s permanent insurance protection from the day you were born until you die.

B) It\'s permanent insurance protection that protects you for your whole life, from the day you buy it until you die.

C) It\'s insurance protection for your whole family members.

D) It\'s income protection insurance.

42. What can whole life insurance do for you?

A) It only provides basic insurance protection.

B) It provides Mortgage protection and Estate preservation.

C) It offers Retirement funding, Charitable giving, Business needs.

D) It not only offers basic insurance protection, but also provides Mortgage protection, Estate preservation, Retirement funding, Charitable giving and Business needs.

43. According to the passage, who will help you determine an amount of insurance needed?

A) A life insurance agent.

B) Nobody except yourself.

C) Your family members.

D) Your lawyer.

44. The word“policy”in the fifth paragraph probably means ________.

A) 政策

B) 保险

C)彩票

D) 策略，方法

45. When you die, the death benefits of your life insurance will ________.

A) be lost

B) be paid to your beneficiaries

C) be possessed by the insurance company

D) will be given to the government

答案及精解

41.【答案精解】B。细节题。从原文第一段第一句话Whole life is permanent insurance protection that protects you for your whole life，from the day you purchase the policy until you die，可以得知，终身人寿保险期限是从你购买保险的那天开始直至死亡之日的。

42.【答案精解】D。细节题。第三段开始连着的两个段落，说明了终身人寿保险的作用，包括提供basic insurance protection，Mortgage protection，Estate preservation，Retirement funding，Charitable giving，Business needs等六项。

43.【答案精解】A。细节题。从第五段A life insurance agent will help you determine an amount of insurance needed...可以找到答案。

44.【答案精解】B。释义题。本文是讲保险方面的内容，通过上下文提示，可以判断policy在这里的意思是“保险单”。

45.【答案精解】B。细节题。最后一段When you die，the company will pay your beneficiaries the death benefit，说明在投保人死后，保险公司把死亡抚恤金交给受益人。

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