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    Buying insurance (保险) is a way in which people can protect themselves against large losses. Protection against fire is one kind of insurance. Large numbers of people pay small sums of money to an insurance company. Although thousands of people have paid for fire insurance, only a few will lose their homes by fire. The insurance company will pay for these homes out of the small sums of money it has collected.
    The first modern fire insurance company was formed in London, England, in the 1760s. A great fire had just destroyed most of the city, and people wanted protection against further losses. The first company grew rapidly. Soon other companies were founded in other areas.
    Benjamin Franklin helped form the first fire insurance company in America in 1752, and then a new kind of insurance for farmers was suggested. The new insurance would provide protection against the loss of crops from storms.
    Later on another new insurance company was started in America. This company, which offered life insurance, collected small sums of money regularly from many different men. If a man died, his family was given a large sum of money.
    Over the years, insurance companies have offered new kinds of insurance protection. The new kinds of insurance cover losses from such accidents as car and plane crashes. Today, most people have some kind of insurance.
    小题1:Who helped set up the first company in America?
    A．Benjamin Franklin. B．Businessmen.
    C．The first insurance company in London. D．Farmers.
    小题2:Insurance means ____.
    A．Protection against the losses from the storms
    B．protection against illness
    C．Protection against accidents
    D．all of the above
    小题3:The first modern insurance company offered ____.
    A．life insurance B．fire insurance C．a new kind of insuranceD．both A and B
    小题4:Why do most people buy some kind of insurance today?
    A．Insurance will keep their homes from burning.
    B．People can protect themselves against large losses.
    C．Insurance will pay for safety.
    D．The insurance companies grow rapidly.

    小题1:A
    小题2:D
    小题3:B
    小题4:B

    试题分析：本文主要介绍了保险业的诞生发展以及人们买保险的原因。现在有很多人买保险的原因是在遇到巨大损失时，有保障。
    小题1:细节题，根据Benjamin Franklin helped form the first fire insurance company in America in 1752, and then a new kind of insurance for farmers was suggested.可知在美国，本杰明.富兰克林帮助建立了第一个公司， 故选A。
    小题2:细节题，根据Buying insurance (保险) is a way in which people can protect themselves against large losses.以及全文内容，可知保险可以保障人们暴风雨造成的损失，疾病的赔偿以及事故的赔偿，故选D。
    小题3:细节题。根据The first modern fire insurance company was formed in London, England, in the 1760s.可知现代第一个保险公司提供火灾保险。故选B。
    小题4:细节题。根据Buying insurance (保险) is a way in which people can protect themselves against large losses.可知现在有很多人买保险的原因是在遇到巨大损失时，有保障。故选B 。
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