阅读理解。

     Life insurance isn't fun to buy. It forces you to think about your death: a subject many prefer not to

confront. But there's a single, over-riding reason to buy life insurance: to provide an income for your

dependents should you die. Don't depend solely on an agent to figure your life insurance needs. Rule-of-

thumb estimates such as five or eight times your income are guesses; they may produce too little or too

much insurance. Carry too little insurance and you may not provide a reasonable standard of living for

your family after your death; carry too much and you may not enjoy a reasonable standard of living while

you're alive.

     Most people who have life insurance don't have enough. The median (中值) amount of coverage for

all adults with life insurance was only 15,000 pounds in 1984. That's obviously not enough to sustain a

family with young children for very long. Nationwide Insurance found that the married men in its 1984

survey carried an average of about 101,880 pounds in life insurance; they needed about 100,705 pounds

more. Married women carried about 43,516 worth insurance but needed some 98,507 pounds more.

     How do you determine the amount of life insurance you would need to maintain your family's current

life-style if the bread-winner died? First, figure, what your family's expenses would be if you died tomorrow.

Then, analyze your assets (财产) and the sources of income that you can use to cover the expenses.

Finally, subtract the assets from the needs. The result is the amount of additional insurance that you'll need

to buy.

1. The passage intends to tell you ____.

A. life insurance isn't fun to buy

B. life insurance is most important in maintaining your family's current life-style

C. life insurance is the result of amount of additional insurance you'll need to buy

D. how to determine the amount of life insurance you would need

2. Life insurance is not fun to buy because ____.

A. many people prefer not to confront the subject

B. there is a single, over-riding reason

C. it reminds you that you may die one day

D. it forces you to think about your additional expenses

3. Which of the following statements is NOT true?

A. Estimates such as five or eight times your income are not reliable.

B. These agents may produce too little or too much insurance.

C. You must not rely on agents only to tell you how much life insurance you need.

D. You should believe in either your agent or those empirical (经验的) estimates.

4. If you carry too little or too much insurance ____.

A. either you or your family might suffer

B. you may not provide a reasonable standard of living for your family after your death

C. you may not enjoy a reasonable standard of living while you're alive

D. you will know in the end that they are just wild guesses

5. All of the following should be taken into account in determining the amount of your life insurance

    EXCEPT ____.

A. analyzing your assets and sources of income

B. adding up the ages of your dependents

C. estimating your family's expenses

D. taking away the assets from the expenses