关于保险的英语口语

一我买了份人身保险 AI’ve just taken out an insurance policy. Are you insured? 我刚买了份保险。你买保险了吗? BYes, I am. I have life insurance and my home and its contents are also insured. 嗯，买了。我有人身保险，我家人还有家里的东西也都有保险。 AI took out a life insurance policy and made my wife the beneficiary. 我买了份人身保险，我的妻子是受益人。 BThat’ a good idea. You are a fireman and it can be dangerous job. 好主意。你们干消防的一定很危险。 AI need to make sure that my wife will be financially secure if I die. 如果我出了事，我要确保我妻子得到经济上的保障。 BI can terminate my life insurance policy when I retire and use the money as a pension. 我退休后可以停止给我妻子交保险，可以把这部分钱做养老金。 AThat’s one of the conditions of my police too. It covers you if you die before you retire and when you retire. 这也是我的保险的条件之一。如果你在退休之前就去世了，那么就会的 到赔付。 BDid you have to take a medical before you could take out the police? 在拿到保险之前你体检了吗? AYes, I did. It was one of the conditions of the insurance police. The insurance companies need to assess the risk. 是的。这是保险的条件之一。保险公司要减少风险的。 二美国社会保险 Social security in the US AWell, that was an interesting documentary! 那是个有意思的纪录片。 BFor sure! I didn’t really understand some of the technical jargon they used in the film when they talked about social security in the US. 当然，我不明白影片中档他们谈到美国社会保险时提及的一些技术术语。 ALike what? 比如说? BWell, they mentioned how people put away money in something called a 401K? 他们提到人们如何将钱投进一个叫 401K 的东西。 AYeah, I know it sounds weird, but a 401k is a type of retirement plan that allows employees to save and invest for their own retirement. Through a you can authorize your employer to deduct a certain amount of money from your paycheck and invest it in the plan. Everyone tries to contribute as much as possible so that when you retire, you can rest peacefully on your nest egg. 我知道它听起来和奇怪，事实上 401K 是一项退休计划，它允许雇员将 钱省下来为了以后的退休而投资。通过这个机会，你可以授权雇主从你的工 资中扣除一定量的钱，并将钱投入那个计划。每个人都尽可能的出钱，以便 当你退休时可以安享晚年。 BThat’s interesting and logical I guess. In my country, we also have to contribute to a government-run retirement fund, but most people don’t really trust it so they just invest in properties or things like that. 那很有意思也很符合逻辑。在我的国家，我们必须拿些钱加入政府经管 的基金，但是大多数人并不相信，人们还是将钱投到房产或类似的东西上。 AThat seems a bit unstable don’t you think? 那看起来不稳定，你不觉得吗? BYeah, but corrupt governments in the past have created distrust among banks and financial institutions, so now people prefer to have money hidden in a jar or a piggy bank. 是的，但是目前的政府让银行和金融机构感到不可信任。所以现在人们 更愿意将钱藏到罐子里或是存到贪心的银行里。 AI’ve been thinking of doing that lately! I don’t want some banker to run off with my money! 我也正在向那么做。我不想让某个银行家将我的钱卷走。