Insurance(保险)maybeconsideredagameofriskinwhichindividualsandbusinessesprotectthemselves,theirfamilies,andtheirpropertyfrompossiblelossesresultingfromunpredictableeventssuchasstorms,fires,accidentsandillnesses.Thefirstruleofthegame,devisedcenturiesage,is"sharetherisk".Toplaybythisrule,manypeopletakeasmalllossinplaceofoneperson′stakingalargeone. Itisasimpleidea:anindividualpaysasmallamountofmoneycalledapremium(保险费)toanagentwhoactsonbehalfofaninsurancecompany,orunderwriter,whichholdstheindividual′spremiumandthepremiumspaidbythousandsofothers.Theindividualreceivesaninsurancepolicy,apromisethatifthereisalosstotheindividualasdefinedinthepolicytheinsurancecompanywillpayforit.Thefundswillcomefromtheindividual′spremium,thepremiumpaidbyotherswhodidnothavelosses,andmoneyfromthecompany′sinvestmentofallthepremiums.Anindividualwhodoesnothavealosslosesthepremiummoneybutpurchaseswhatinsuranceunderwriterscall"peaceofmind".Itisagambleforthecustomerandtheunderwriter,butitisbuiltonthefirstruleofriskthatlossesaresmallwhensharedbymany. Whichofthefollowingstatementsistrue?
A.Premium is a small amount of money you pay for your losses. B.If an individual didn't have a loss, premium was not wasted, because he didn't need to worry about unpredictable events. C.An insurance agent holds premiums paid by the thousands. D.The premium will be refund if an individual does not have a lose.正确答案B
