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同步字幕下载[点击右键另存为][00:00.00]Two Have you ever bought any insurance?
[00:03.10]你买过保险吗？
[00:06.19]1 Introduction
[00:09.72]A Many more people buy insurance in America than in China.
[00:13.58]在美国，买保险的人比中国多。
[00:17.45]One reason is that Americans have more cars and they must get car insurance.
[00:21.79]一个原因是美国人车多，而且他们也必须为车买保险。
[00:26.12]There are different kinds of insurance polices.
[00:28.75]保险有各种不同类型的险种。
[00:31.37]Collision insurance, the cheapest, only pays for damage to your car.
[00:35.06]碰撞险是最便宜的一种，但它只赔偿对你车的损失。
[00:38.74]Other kinds of insurance, which are more expensive,
[00:41.46]其他各类贵一点的保险赔偿更多类型的损失
[00:44.17]pay for greater types of damage and more types of accidents.
[00:47.29]以及更多类型的事故。
[00:50.42]Normally, the person who causes the accident
[00:52.94]通常肇事者
[00:55.46]must use their own insurance to pay for damage to other people.
[00:59.04]必须用他们自己的保险来赔偿给其他人。
[01:02.62]B Also many jobs come with insurance.
[01:05.44]另外很多工作报酬中也包括保险。
[01:08.26]Most employers provide very basic life insurance for all their employees.
[01:11.48]多数雇主为他们所有的雇员提供非常基本的人寿保险。
[01:14.71]Some of them also provide health insurance,
[01:16.89]一些还提供健康保险，
[01:19.07]though the cost is deducted from the employees’ regular salary.
[01:21.96]尽管费用会从员工的工资中扣除。
[01:24.85]The cost of group insurance is cheaper the more people there are in the group.
[01:28.32]集体保险人越多，费用也越少。
[01:31.79] 2 Sample Sentences
[01:36.55]1. The insurance policy protects you against injury.
[01:39.68]如遭伤害,这保险单保证偿付你的损失。
[01:42.82]2. I found a job selling insurance.
[01:45.78]我找了一份推销保险的工作。
[01:48.75]3. My husband works in insurance.
[01:51.07]我丈夫从事保险业。
[01:53.40]4. He has $100,000 life insurance, which his wife will receive if he dies first.
[01:57.33]他有10万美元的人寿保险,如果他先去世,他的妻子将得到这笔钱。
[02:01.26]5. My friend tried to persuade me into buying insurance for my son.
[02:04.89]我的朋友试着想说服我为我儿子买保险。
[02:08.52]6. We offer dental and health insurance that covers every member of the family.
[02:12.10]我们为这个家庭的每位成员提供牙科和医疗保险。
[02:15.68]7. Doctors across the country are quitting their jobs
[02:18.80]全国的医生在放弃他们的工作
[02:21.92]because they can't afford malpractice insurance.
[02:24.30]因为他们负担不起职业过失保险。
[02:26.68]8. Health care insurance premiums are climbing.
[02:29.51]健康保险费在上升。
[02:32.35]9. I do not worry about having insurance for every potential problem.
[02:35.77]我不担心要为每一个潜在的问题买保险。
[02:39.19]10. In my state, it is required that you have driver’s insurance for your car.
[02:43.27]在我这个州，你必须得为你的车买驾驶员保险。
[02:47.34] 3 Conversations
[02:52.38]Man: Good afternoon Miss,
[02:54.65]下午好，小姐，
[02:56.93]would you be interested in buying more life insurance?
[02:59.11]你有兴趣再买一些人寿保险吗？
[03:01.29]You know, you can never get enough.
[03:03.21]你知道的，你从来都不能买够的。
[03:05.13]Miss: I think my husband has some.
[03:07.15]我想我老公有一些。
[03:09.18]Man: Are you sure he’s purchased enough insurance for both of you?
[03:11.40]你能肯定他为你们两个都买够了保险吗？
[03:13.62]If something terrible happened with your husband,
[03:15.75]如果有什么不好的事发生在你丈夫身上
[03:17.88]and he doesn’t have sufficient1 insurance,
[03:19.76]而他又没有足够的保险，
[03:21.64]my company does have a policy
[03:23.68]我公司正好有一条保险契约
[03:25.71]that could cover you and your husband if something happened to either of you.
[03:28.34]能使你和你丈夫免遭损失，如果你们中的任何一个出了什么事。
[03:30.96]Miss: That’s true.
[03:32.48]那倒是真的。
[03:34.00]If something happened to my husband, I might lose everything.
[03:36.62]如果我丈夫发生什么事，我可能会失去一切