问题 单项选择题

在团体人寿保险中,新老职工的自然更替,使得大多数团体的员工平均年龄基本稳定。下列哪种情况是由此带来的结果?()

A.团体伤害率基本稳定

B.团体死亡率基本稳定

C.团体费用率基本稳定

D.团体利润率基本稳定

答案

参考答案:B

解析:在坚持正常工作的在职人员中,采用团体保险的方法承保,可以消除逆选择因素的影响,保证承保对象总体上达到平均的健康水平。由于新老职工的自然更替,使得大多数团体的员工平均年龄趋于稳定,从而也保证了死亡率、疾病率等的稳定。

阅读理解

阅读理解。

     When I was a kid, I always used to wonder how in the world my father work outside in the winter

without a coat. It could be minus 20 degrees centigrade and there'd be Dad, removing snow, or perhaps

chopping some wood-his coat thrown aside-wearing a shirt, a cap, and a pair of gloves.

     "Aren't you cold, Dad?" I'd ask. "No," Dad would reply. "I'm not cold-working too hard to be cold."

     Many times I wondered whether my father was an extremely tough man, or whether he was foolish.

     One time when I was quite young, perhaps five or so, I went ice fishing with Dad. It was a bright,

clear day-and bitterly cold.

     After we'd been out on the ice for a little while, my feet started getting cold.

     "Daddy, my feet are cold." I said.

      "Yeah, it's cold out here today," he replied.

      "Tell you what," he said. "Walk around. Make some circles in the snow. See how many different

patterns you can make. That will get your feet warm."

      Now, I was just a little girl at the time but I remember thinking, "How in the world will walking around

in the snow make my feet warm? Dad must be out of mind."

      But he was my father, after all. I made circles in the snow. I made squares. Pretty soon I was having

so much fun making patterns in the snow. I forgot about my feet being cold.

      Now, all these years later, I know, too, from personal experience how my father was able to take his

coat off and work outside in the winter wearing just a shirt, a cap and gloves. Because I do it, too. "Aren't

you cold?" my husband asked one winter day. "No," I replied. "I'm not cold-working too hard to be cold."

      I hope my husband has decided I'm both tough and smart. But I guess quite a bit of the time he thinks

I'm foolish.

      Wherever Dad is in that great big farm in the sky-I'm sure he can't help but smile whenever I take my

coat off while I'm working outside in the winter.

1. When the author's feet felt cold, her father advised her to ____. [ ]

A. go home alone first

B. keep walking in the snow

C. draw pictures in the snow

D. light a fire on the ice

2. Hearing her father's advice, the author thought her father ____. [ ]

A. forgettable

B. warm-hearted

C. crazy

D. cruel

3. What might the author's husband think of her? [ ]

A. Tough

B. Smart

C. Brave

D. Foolish

4. The author's purpose of writing this passage is to ____. [ ]

A. remember her tough and smart father

B. show how her father cared about her

C. describe memories of her childhood

D. explain why her father loved her so much

单项选择题