Passage 2

　　Life insurance isn't fun to buy.It forces you to think about your death,a subject many prefer not no face.But there's a single,overriding reason to buy life insurance:to provide an income for your dependents should you die.

　　Don't depend only 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 of living while you are alive.

　　Most people who have life insurance don't have enough.The median amount of coverage for all adults with life insurance was only ￡15 000

　　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 in life insurance;they needed about ￡100 706 more.Married women carried about ￡43 516 worth insurance needed some ￡98 507 more.

　　How do you determine the amount of life insurance you would need to maintain your family's current life style if the breadwinner died?First,figure what your family's expenses would be if you died tomorrow.Then analyze your assets and the sources of income that you can use to cover the expenses,Finally,subtract(減去)the assets from the needs.The result is the amount of additional insurance that you'll need to buy.

　　5)The reason why life insurance is not fun to buy lies in that________.

　　A.many people prefer not fo face the subject

　　B.there is a single.overriding reason

　　C.in reminds you that you may die one day

　　D.it forces you to think

　　6)If you carry too lottle 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

　　7)How do you determine the amount of life insurance you would need?

　　A.Analyze your assets and sources of income

　　B.Estimate your family's expenses

　　C.Take away the assets from the expenses

　　D.All of the above