英语四级仔细阅读练习与答案

　　为了帮助大家攻克英语四级阅读，小编整理了英语四级仔细阅读练习与答案内容，快来练习吧!

　　Insurance is the sharing of risks. Nearly everyone is exposed to risk of some sort. Thehouse-owner, for example, knows that his property can be damaged by fire; the ship-ownerknows that his vessel may be lost at sea; the breadwinner knows that he may die at an earlyage and leave his family the poorer. On the other hand, not every house is damaged by fire norevery vessel lost at sea. If these persons each put a small sum into a pool, there will be enoughto meet the needs of the few who do suffer loss. In other words, the losses of the few are metfrom the contributions of the many. This is the basis of insurance. Those who pay thecontribution are known as "insured" and those who administer the pool of contributions as"insurers".

　　Not all risks lend themselves to being covered by insurance. Broadly speaking, the ordinaryrisks of business and speculation cannot be covered. The risk that buyers will not buy goodsat the prices offered is not of a kind that can be statistically estimated—and risks can only beinsured against if they can be so estimated.

　　The legal basis of all insurance is the "policy". This is the printed form of contract onpaper of the best quality. It states that in return for the regular payment by the insured of anamed sum of money, called the "premium"(保险费) , which is usually paid every year, theinsurer will pay a sum of money or compensation for loss, if the risk or event insured againstactually happens. The wording of policies, particularly in marine insurance, often seems veryold-fashioned, but there is a sound reason for this. Over a large number of years many lawcases have been brought to clear up the meaning of doubtful phrases in policies. The lawcourts, in their judgments, have given these phrases a definite and indisputable meaning, andto avoid future disputes the phrases have continued to be used in policies even when theyhave passed out of normal use in speech. 26. According to this passage, insurance is possiblebecause______.

　　A. everyone at some time suffers loss

　　B. only a small proportion of the insured suffer loss

　　C. nearly everyone suffers loss

　　D. only insured people suffer loss

　　27. By "the pool of contributions" the writer means______.

　　A. money paid by the insured B. money paid by the insurers

　　C. the cost of administering insurance D. the amount of administering insurance

　　28. The insurance of ordinary business risks is not possible because______.

　　A. business will not buy insurance B. the risks are too high

　　C. the risks can not be estimated D. the premiums would be too high

　　29. Old-fashioned wording is sometimes used in insurance policies because______.

　　A. insurance is old-fashioned

　　B. insurance has existed for a long time

　　C. it enables ordinary people to understand it

　　D. the meaning of such wording has been agreed upon

　　30. The writer of this passage seems to think that insurance is______.

　　A. a form of gambling B. a way of making money quickly

　　C. old-fashioned D. useful and necessary

　　参考答案：

　　26. B 27. A 28. C 29. D 30. D