【情景英语口语100主题】025 Insurance 保险

Insurance 保险

【Beginner】step1：初级入门

A: I’ve just take out an insurance policy. Are you insured?

B: Yes, I am. I have life insurance and my home and its contents are also insured.

A: I took out a life insurance policy and make my wife beneficiary.

B: That’s a good idea. You are a fireman and it can be a dangerous job.

A: I need to make sure that my wife will be financially secure if I die.

B: I can terminate my life insurance policy when I retire and use the money as a pension.

A: That’s one of the conditions of my policy too. It covers you if you die before you retire and when you retire.

B: Did you have to take a medical before you could take out the policy?

A: Yes, I did. It was one of the conditions of the insurance policy. The insurance company need to assess the risk.

【Intermediate】step2: 中级进阶

A: Good morning. I’d like to ask some questions about your insurance policies.

B: Of course. Please sit down. How may I help you?

A: I bought a house recently and would like to insure it and its content.

B: I see. Here’s a pamphlet about our home insurance policy. We’ve named our policy ”umbrella”. May I ask how much you paid for your home and where you live? These are the two main things that decide how much your premiums are.

A: I understand. I live in the Oakfield area and paid ＄100,000 for my home.

B: Let me just check that on my computer. Oakfield is a low risk area, so your premiums will probably be around ＄100 a month. The other thing to take into account is deductibles.

A: In this pamphlet it says that the minimum amount for deductibles is ＄2000. What does that mean exactly?

B: It means that the first ＄2000 of any claim you make must be paid by you. The insurance policy covers any amount above that, up to the agreed limit.

A: Oh, I see. That’s fine. What is the advantage of having higher deductibles?

B: If you have higher deductibles, your premium are lower, because you will pay more of the claim and we will pay less.

A: It seems that I should do some calculations before deciding. I presume that the insurance period can be for as long as we agree.

B: We initially sign one-year policies with our policyholders. These are renewable after the first year.

A: If I have a claim, how long does it take to make a settlement? I’ve heard that with some insurance companies, it can take months.

B: That is of great concern to out clients. We aim to satisfy all claims within a month, but we can’t guarantee that.

【Notes】学习笔记

Words.

insurance policy/ claim/ insure(r)/ (full)coverage/ Policyholder/ Risk(assessment)

Exemption/ Premiums/ Insurance period/ Life insurance/ Liability/ Damage

Deductible(s)/ Medical insurance/ Travel insurance/ Settlement/ Payment/ Condition

insurance policy 保险契约,保险单

claim [kleim]

n. 要求，认领，主张，断言，权利，要求权，所有权

v. 要求，认领，索赔，声称，主张

(对保险公司的)索赔[C][(+for)]

1. Mary made a claim to the pencil.玛丽认为她应得到这枝铅笔。

2. What claim does he have to the property?他有何权利要求得到这笔财产?

3. The old man claimed the land.老人要求得到这块土地。

4. She claimed that the ring was stolen, not lost.她声言那只戒指是被偷的,而不是遗失的。

5. The tornado claimed dozens of lives.那场龙卷风夺去了几十条人命

Do you know?

ask，beg，demand，require，request，implore，claim，pray，entreat

这些动词均有“要求，请求”之意。

ask最普通用词，指向对方提出要求或请求，长、晚辈，上下级之间都可使用。

beg指恳切地或再三地请求或要求，常含低三下四意味，也多用于应酬场合。

demand一般指理直气壮地提出强烈要求，或坚持不让对方拒绝的要求。

require强调根据事业、需要或纪律、法律等而提出的要求。

request正式用词，指非常正式，有礼貌的请求或恳求，多含担心因种种原因对方不能答应的意味。

implore书面用词，着重指迫切、焦急或痛苦地恳求或哀求，常含较强的感情色彩。

claim指有权或宣称有权得到而公开提出的要求。

pray语气庄重，指热情、诚恳和敬祈的要求，现不很常用。

entreat泛指一般“恳求或哀求”，含企图说服对方或用热烈的请求软化反对意见的意味。

Policyholder 保单持有者

Risk Assessment 风险评估

exemption n.免除

He was granted exemption from military service.他获准免服兵役。

premium ['pri:mjəm]

n. 票面价值；贴现，升水，奖金，酬金，保险费，溢价

a.高级的；售价高的

1. Your first premium is now due.你的第一期保险费现已到期.

2. Employers put a premium on honesty and hard work.雇主们很重视诚实和勤奋的工作

liability [ˌlaiəˈbiliti]n.责任[ pl.]负债，债务；不利条件

1. He admitted his liability for the accident.他承认自己对这起事故应负责任。

2. Heavy liabilities forced the company into bankruptcy.沉重的债务迫使公司破产。

Phrases.

Make a claim/ Insure an item/ Take out insurance/ Have…valued at…

Pay premiums/ Assess a risk/ Pay out insurance/ Read the policy