A—all risks B—average
C—cash value D—certificate of insurance
E—claim F—cover
G—decreasing term insurance H—double indemnity
I—exceptions/exclusion J—insurable interest
K—limits of liability L—negligence
M—paid-up policy N—standard risks
O—whole life insurance
( )全险 ( )现金价值

After you have calculated how much money will be available, it is time to estimate expenses. List all of your family expenses.If you are not satisfied with what you got for your money, look carefully at your spending. Studying your records will show where overspending has occurred. It will also point out poor buying habits.It is also a good idea to set aside a small mount of money for emergencies(紧急情况). Every family has small emergencies: a blown tire, a broken device, or the need for medical care.

A. speak in body language

B. speak briefly
C. speak as slowly as possible

D. speak frankly