Stephen Hawking was born in Oxford, England, on January 8, 1942. At the age of 17, he entered University College, Oxford. He wanted to study mathematics, but took up the study of physics when math was unavailable. He received a Ph.D. in physics despite being diagnosed (诊断) with Ameliotrophic Lateral Sclerosis (肌萎缩性脊髓侧索硬化症) while at Oxford in 1963. In 1985 he became ill with pneumonia (肺炎), and since then has required 24-hour nursing. Dr. Hawking’s determination, along with the help of his family and associates, has allowed him to continue to work. In 1970 he began studying black holes. His research led him to predict that black holes send out radiation in the X-ray to gamma-ray(伽马射线) range of the spectrum (光谱). In the 1980s he returned to an earlier interest, the origins of the universe. He has co-authored many publications, such as 300 Years of Gravity and The Large Scale Structure of Space time. Dr. Hawking has also written books such as A Brief History of Time, Black Holes and Baby Universes and other Essays, The Universe in a Nutshell and others. He continues to give lectures, despite having been unable to speak since 1985, with the aid of a speech synthesizer (合成器) and a portable computer. He currently holds Isaac Newton’s chair as the Lucasian Professor of Mathematics at Cambridge University in England.

小题1:Hawking went to University College, Oxford, in order to _____.

A. get a Ph.D. in physics

B. study mathematics

C. study the universe and black holes

D. seek help from the Lucasian Professor

小题2:Before Hawking started researching black holes, _____.

A．he gave lectures with the help of a speech synthesizer

B．he finished his book The Universe in a Nutshell

C．he was made the Lucasian Professor of Mathematics

D．he was diagnosed with Ameliotrophic Lateral Sclerosis小题3:Which of the following books was NOT written by Dr. Hawking alone?

A．300 Years of Gravity

B．A Brief History of Time

C．The Universe in a Nutshell

D．Black Holes and Baby Universes and Other Essays.小题4:When did Hawking enter University College, Oxford?

A．in 1942

B．in 1970

C．in 1959

D．in 1963

一、家庭基本情况
张朋，30岁，身高176厘米，体重88千克，平时不抽烟，因应酬多常饮酒，无其他不良嗜好，近5年没有医院就诊记录。目前是一位职业经理人，年薪税后30万元，有社会养老保险和医疗保险，并且公司为其购买了团体终身养老年金保险。张朋经常因公出差。
爱人李红，30岁，身高160厘米，体重50千克，无不良生活嗜好，身体健康。目前是一家外企办公室职员，年薪税后5万元，有社会养老保险、社会医疗保险和补充医疗保险。
儿子张弛刚出生8个月，健康，全家人的掌上明珠，夫妇俩现在需为儿子未来教育金支出准备30万元。
二、收入支出和资产负债状况
家庭目前年生活费用总支出为16万元，其中儿子的费用支出为5万元，张朋的费用支出为6万元。
家庭目前有活期存款6万元，定期存款5万元，基金市价6万元(成本价3万元)，自住房产市价150万元，还有40万元房贷未还。家用车一台，成本价20万元，已投保交强险、商业三责险和机动车辆损失保险。
三、相关假设
假设收入成长率、支出成长率均为4%，投资报酬率为8%。假设张朋60岁退休、李红55岁退休；目前预期两人余寿各50年。

张朋以自己为被保险人向大地人寿保险公司提交了保额100万元的终身寿险投保申请书，下列说法正确的是______。

A．张朋可以指定爱人为保单受益人，如果合同生效后两人离婚，他必须征得爱人同意才能将受益人变更为儿子
B．如果张朋对投保前既存的心脏病未明确告知，合同生效3年后张朋因心脏病死亡，保险公司应该赔偿受益人100万元
C．保险公司在核保时，可针对被保险人张朋及受益人的健康状况、生活方式、职业等情况进行调查
D．保险公司在核保时，可要求张朋提供自己的收入信息、公司的财务报表来评估张朋投保的保额与保费的适当性