Buying insurance (保險(xiǎn)) is a way in which people can protect themselves against large losses. Protection against fire is one kind of insurance. Large numbers of people pay small sums of money to an insurance company. Although thousands of people have paid for fire insurance, only a few will lose their homes by fire. The insurance company will pay for these homes out of the small sums of money it has collected.
The first modern fire insurance company was formed in London, England, in the 1760s. A great fire had just destroyed most of the city, and people wanted protection against further losses. The first company grew rapidly. Soon other companies were founded in other areas.
Benjamin Franklin helped form the first fire insurance company in America in 1752, and then a new kind of insurance for farmers was suggested. The new insurance would provide protection against the loss of crops from storms.
Later on another new insurance company was started in America. This company, which offered life insurance, collected small sums of money regularly from many different men. If a man died, his family was given a large sum of money.
Over the years, insurance companies have offered new kinds of insurance protection. The new kinds of insurance cover losses from such accidents as car and plane crashes. Today, most people have some kind of insurance.
小題1:Who helped set up the first company in America?
A．Benjamin Franklin. B．Businessmen.
C．The first insurance company in London. D．Farmers.
小題2:Insurance means ____.
A．Protection against the losses from the storms
B．protection against illness
C．Protection against accidents
D．a(chǎn)ll of the above
小題3:The first modern insurance company offered ____.
A．life insurance B．fire insurance C．a(chǎn) new kind of insuranceD．both A and B
小題4:Why do most people buy some kind of insurance today?
A．Insurance will keep their homes from burning.
B．People can protect themselves against large losses.
C．Insurance will pay for safety.
D．The insurance companies grow rapidly.

小題1:A
小題2:D
小題3:B
小題4:B

試題分析：本文主要介紹了保險(xiǎn)業(yè)的誕生發(fā)展以及人們買保險(xiǎn)的原因。現(xiàn)在有很多人買保險(xiǎn)的原因是在遇到巨大損失時(shí)，有保障。
小題1:細(xì)節(jié)題，根據(jù)Benjamin Franklin helped form the first fire insurance company in America in 1752, and then a new kind of insurance for farmers was suggested.可知在美國，本杰明.富蘭克林幫助建立了第一個(gè)公司， 故選A。
小題2:細(xì)節(jié)題，根據(jù)Buying insurance (保險(xiǎn)) is a way in which people can protect themselves against large losses.以及全文內(nèi)容，可知保險(xiǎn)可以保障人們暴風(fēng)雨造成的損失，疾病的賠償以及事故的賠償，故選D。
小題3:細(xì)節(jié)題。根據(jù)The first modern fire insurance company was formed in London, England, in the 1760s.可知現(xiàn)代第一個(gè)保險(xiǎn)公司提供火災(zāi)保險(xiǎn)。故選B。
小題4:細(xì)節(jié)題。根據(jù)Buying insurance (保險(xiǎn)) is a way in which people can protect themselves against large losses.可知現(xiàn)在有很多人買保險(xiǎn)的原因是在遇到巨大損失時(shí)，有保障。故選B 。
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