(单词翻译:单击)
Recording One
录音一
When purchasing life insurance, there are many important factors to consider: one should buy the policies that give the most protection at the least cost, insure the right family members, and consider the family's financial needs.
购买人身保险需要考虑许多重要因素：购买的保单应当以最少的花费提供最大的保护，给合适的家庭成员投保，以及考虑家庭的理财需求。
It's important to buy the insurance from companies that are financially sound and that are represented by honest, well-trained agents.
重要的是投保公司应当财力雄厚，作为代表的业务员应当诚信专业。
At various stages in a person's life, different kinds of life insurance are needed for particular situations.
在人生的各个阶段，不同情况需要不同的人身保险。
Jerry is single and has no dependents, probably the only life insurance he needs is enough to cover his debts and burial expenses.
杰瑞单身，没有需要照顾的家属，可能他唯一需要的人身险只要能覆盖债务和殡葬费用就够了。
Insurance can be purchased at a lower rate during the young years, but by buying while young, the premiums are paid in for a longer period of time.
可以年轻时就开始以较低频率购买保险，不过年轻时开始购保的话，缴纳保险费的时间跨度更长。
In the end, the amount paid for premiums is about the same.
结果是，缴纳的保费总量上差不多。
A person shouldn't buy insurance protection that really isn't necessary.
不应当买没必要的保险。
Suppose that Jerry marries Jeannette who is a college graduate and is working.
假设杰瑞和珍妮特结婚了，后者是大学毕业生，还有工作。
Perhaps enough insurance would be needed to cover their debts and burial expenses.
也许需要足够的保险覆盖两个人的债务和殡葬费用。
Now, Jeannette has quit work and their first child is on the way.
现在珍妮特辞职了，即将生一胎。
They have purchased a home with a small down payment and a 30-year mortgage.
他们买了房子，首付金额不大，需按揭三十年。
The situation regarding life insurance takes on a different look.
关于人身险的情况发生变化。
There are dependents who need financial protection.
有家属需要财务保护。
How much insurance is needed?
需要多少保险呢？
As the family increases in size, it is essential to add more insurance on the breadwinner to protect the dependents.
家庭规模增长过程中，必须要给顶梁柱投入更多保险，以此保护家人。
When the children are young and depend upon the family for financial needs, families with modest incomes have difficulty providing enough life insurance to protect the mother and the children.
孩子还小，依赖家庭满足财务需求，收入不高的家庭难以购买足够的人身险来保护母亲和孩子。
Families with modest incomes should insure the breadwinner or breadwinners first.
收入不高的家庭应当只给或优先给顶梁柱投保。
When considering the amount of insurance for the mother with dependent children, substitute child care is a need that should be planned for until the children can care for themselves.
考虑为孩子还需照顾的母亲投多少保险时，需要计划托儿服务，直到孩子能照顾自己。
The death of a small child would have no effect upon the income of the family.
幼儿死亡不会对家庭收入造成影响。
Perhaps a policy to meet funeral expenses would be sufficient for the young child.
也许满足殡葬费用的保单对幼儿就足够了。
Although most people do not take out insurance on their young children.
不过大多数人不会给家里的幼儿投保。
As the children become financially independent of the family, the emphasis on family financial security would shift from protection to saving for the retirement years.
孩子从家庭经济独立后，家庭财务安全的重心会从保障转移到退休储蓄上。
Every family situation is different, but it is important that each family give adequate thought to planning its financial future.
不同家庭情况也不同，但重要的是，每个家庭都要为未来财务计划给予充分考虑。
Questions 16 to 18 are based on the recording you have just heard.
请根据你刚刚听到的对话回答问题16至问题18。
16. What life insurance should a single person buy according to the speaker?
问题16：根据说话者的发言，单身者应当买什么人身险？
17. What should people do as their family increases in size?
问题17：家庭规模扩张时人们应当做什么？
18. When should one change their life insurance?
问题18：什么时候人们应当更改人身保险？
