填空题

In some countries certain kinds of insurance are compulsory. In others, most kinds are (36) unknown. In addition, the cost of insurance and the type of coverage provided vary widely from country to country. But the (37) principle of insurance-sharing risk- remains the same. Naturally, the more property a person owns, the more he has to lose. Similarly, the more family (38) a person has, the greater the impact if he or she dies or becomes physically disabled. Having insurance can reduce one’s concern about the (39) of suffering a loss of property or a disabling accident. Yet, is it wise to spend money on insurance even though a claim may never be made Is keeping a spare tire in the car a wasted investment, even if the tire is never needed The sense of security to the car driver may make the expense of the extra tire (40) . While (41) compensation cannot make up for certain losses, it may compensate for other losses. Much of the insurance (42) by individuals falls into the (43) of property, health, disability, and life insurance. (44) . It is among the most common forms of risk management. Health insurance pays some medical expenses or may pay for only certain medical care. (45) Disability insurance provides some income if a person is injured and cannot work. Life insurance provides financial assistance to a person’s dependents in case of his or her death. (46) .