Insurance 保險

    「Beginner」step1 ：初級入門

    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 ：中級進階

    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.