广州酷学酷玩夏令营情景英语口语：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.

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