當(dāng)前位置：insurance 保險(xiǎn)
來(lái)源:本站原創(chuàng) 點(diǎn)擊率: 發(fā)布: 2014-2-11
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廣州酷學(xué)酷玩夏令營(yíng)情景英語(yǔ)口語(yǔ)：insurance 保險(xiǎn)。
insurance 保險(xiǎn)
【beginner】step1：初級(jí)入門(mén)
a: i’ve just take out an insurance policy. are you insured?
b: yes, i am. i have life insurance and my home and its contents are also insured.
a: i took out a life insurance policy and make my wife beneficiary.
b: that’s a good idea. you are a fireman and it can be a dangerous job.
a: i need to make sure that my wife will be financially secure if i die.
b: i can terminate my life insurance policy when i retire and use the money as a pension.
a: that’s one of the conditions of my policy too. it covers you if you die before you retire and when you retire.
b: did you have to take a medical before you could take out the policy?
a: yes, i did. it was one of the conditions of the insurance policy. the insurance company need to assess the risk.
【intermediate】step2: 中級(jí)進(jìn)階
a: good morning. i’d like to ask some questions about your insurance policies.
b: of course. please sit down. how may i help you?
a: i bought a house recently and would like to insure it and its content.
b: i see. here’s a pamphlet about our home insurance policy. we’ve named our policy ”umbrella”. may i ask how much you paid for your home and where you live? these are the two main things that decide how much your premiums are.
a: i understand. i live in the oakfield area and paid ＄100,000 for my home.
b: let me just check that on my computer. oakfield is a low risk area, so your premiums will probably be around ＄100 a month. the other thing to take into account is deductibles.
a: in this pamphlet it says that the minimum amount for deductibles is ＄2000. what does that mean exactly?
b: it means that the first ＄2000 of any claim you make must be paid by you. the insurance policy covers any amount above that, up to the agreed limit.
a: oh, i see. that’s fine. what is the advantage of having higher deductibles?
b: if you have higher deductibles, your premium are lower, because you will pay more of the claim and we will pay less.
a: it seems that i should do some calculations before deciding. i presume that the insurance period can be for as long as we agree.
b: we initially sign one-year policies with our policyholders. these are renewable after the first year.
a: if i have a claim, how long does it take to make a settlement? i’ve heard that with some insurance companies, it can take months.
b: that is of great concern to out clients. we aim to satisfy all claims within a month, but we can’t guarantee that.
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