河北邯郸市第三中学最新 高考英语任务型阅读练习题(含答案)

河北邯郸市第三中学最新高考英语任务型阅读练习题(含答案)
一、高中英语任务型阅读
1．任务型阅读
A peer is a person who is about the same age as you. Peers affect your life, whether you know it or not, just by spending time with you.
________ Maybe another student in your science class taught you an easy way to remember the planets in solar system. Maybe you got others excited about your new favorite book and now everyone's reading it. However, sometimes peers affect one another in another way________ Maybe a kid in the neighborhood wanted you to steal with him.
Some kids give in to peer pressure because they want to be liked, to fit in, or because they worry that other kids may make fun of them if they don't go along with the group.________ The idea that “everyone's doing it” may influence some kids to leave their better judgments or their common senses behind.
Peer pressure can be extremely strong and hard to get rid of. Experiments have shown how peer pressure can influence someone to change her/his mind from what she/he knows for sure is a correct answer to the incorrect answer-just because everyone else gives the incorrect answer!________
________ Paying attention to your own feelings and beliefs about what is right and wrong can help you know the right thing to do. Inner strength and self-confidence can help you stand firm, walk away and resist doing something when you know better.
A. Peers can have a good effect on one another.
B. Peer pressure is the direct influence on people by peers.
C. Good peers may give you a hand when you are in trouble.
D. That holds true for people of any age in peer pressure situations.
E. Maybe one kid in school tried to get another to cut class with him.
F. It can be hard to walk away from peer pressure, but it can be done.
G. Others may go along because they are curious to try something new that others are doing. 【答案】A；E；G；D；F
【解析】【分析】本文是议论文。

主要讲述同龄人之间的影响既好的效果也会有不好的影响。

有些孩子屈服于同龄人的压力，也有些孩子可能非常强烈，很难摆脱，但只要坚定信念，也能抵制住这种压力。

（1）考查对上下文的理解和推理判断能力。

根据本段的内容可知，同伴之间可以相互影响的。

同伴间既有好的影响同，也有不良的影响。

而前半部分说的是好的效果。

分析选项可知A项（同伴可以互相产生良好的效果。

）符合题意，故答案选A正确。

（2）考查对上下文的理解和推理判断能力。

本段指同伴之间的相互影响，根据“. However, sometimes peers affect one another in another way”及下句“Maybe a kid in the neighborhood wanted you to steal with him.”可知，是不好的影响。

再根据下句的句式，只是一种推测，分析选项可知E项（也许学校里有个孩子想找个同学和他一起逃课。

）符合题意，故答案选E项。

（3）考查对上下文的理解和推理判断能力。

空后的下一句“The idea that “everyone's doing it” may influence some kids to leave their better judgments or their common senses behind.”可知，“每个人都这样做”的想法可能会一些孩子没有了更好的判断力或常识。

”由此可判断G 项（其他人可能会一起做，因为他们很好奇尝试其他人正在做的新事物。

）符合题意，故答案选这G项。

（4）考查对上下文的理解和推理判断能力。

根据第四段中的第一句“Peer pressure can be extremely strong and hard to get rid of.”可知同龄人的压力可能非常强烈，很难摆脱。

由此可判断，这这种情况，任何年龄段的人都适用，分析选项可知D项（在同龄人压力情况下，任何年龄段的人都适用。

）符合题意，故答案选D项。

（5）考查对上下文的理解和推理判断能力。

根据空后的内容可知，自己要坚定信念，到底什么是正确的什么是错误的，这样就能让你知道该做什么。

内在的力量和自信能帮助你不受同龄人的压力，就能抵制你不应当做的事情。

由此可知，虽然摆脱同龄人的压力很难，但只要自己意志坚定，也可做到。

分析选项可知，F项（很难摆脱同伴的压力，但这是可以做到的。

）符合题意，故答案选F项。

【点评】阅读理解七选五解题技巧：词语复现
词语复现包括原词复现和同反义词复现，及正确选项和空格前后句子有相同的词或同反义词相互呼应。

抓住这些复现线索，题目自然迎刃而解。

需要指出的是，词语复现法解题十分管用，但这并不意味着凡与上下文有复现词的选项就一定是正确选项，只是正确的可能性更大，在解题过程中需重点考虑或优选考虑而已。

是否为正确答案，还得将选项代入原文，检验选项与上下文能否自然衔接，只有上下衔接紧密的才是正确选项。

2．任务型阅读
It is very important for kids to be courageous. A brave child is more likely to withstand negative peer pressure, say no to temptations（诱惑）and flight the good fight.________ It boosts kids' resilience（适应力）, confidence and willpower as their as well as their learning, performance and school engagement. Here are several ways to develop kids' courage:
Model courage. Kids who watch their parents stick their necks out to do the right thing are more likely to do the same.________ Then express how good it feels when you conquer your fear instead of taking a shortcut. Your kids will learn how to take on the tough challenge they face by witnessing how you tackle your fears.
________ Research finds that kids are more likely to be courageous if they believe that their parent them to support those in need. Discuss bravery with your kids: Tell hem Courage is making the choice to do what you know is right even if you are afraid.”
Ask your kids to share their acts of bravery. Learning to be brave takes practice, so encourage your children to do something courageous every day.________A mom I talked to had her kids share their brave deeds at dinner time.
Teach your kids how to reduce their fears. If not kept under control, fear can be powerful.________ You might encourage positive self-talk, such as saying, “I can handle this” or “I have courage to do this.” Or teach your child to take slow, deep breaths to find courage.
A. Talk about values and courage.
B. Courage has other surprising benefits.
C. The good news is that courage can be taught.
D. Teach your child simple strategies to be brave.
E. Let your child see you step out of your comfort zone.
F. In today's uncertain world, kids will need courage and confidence.
G. Then take time to focus on their courageous breakthroughs.
【答案】B；E；A；G；D
【解析】【分析】本文作者首先讲述了有勇气的一些优点，然后针对家长如何帮助孩子们获得勇气这一问题给出了一些建议。

（1）细节理解及推理判断。

根据前文 It is very important for kids to be courageous. 和空后It boosts kids' resilience, confidence and willpower as their as well as their learning, performance and school engagement. 它能增强孩子的韧性、自信心和意志力以及...，这里提到了有勇气的一些优点，故答案为B。

（2）细节理解及推理判断。

根据Kids who watch their parents stick their necks out to do the right thing are more likely to do the same.和Your kids will learn how to take on the tough challenge they face by witnessing how you tackle your fears.这里提到了父母的示范作用，故答案为E。

（3）细节理解及推理判断。

由Research finds that kids are more likely to be courageous if they believe that their parent them to support those in need. Discuss bravery with your kids: Tell hem Courage is making the choice to do what you know is right even if you are afraid.” 可知这里意思是谈论价值观和勇气，故答案为A。

（4）细节理解及推理判断。

根据文中Ask your kids to share their acts of bravery.和A mom I talked to had her kids share their brave deeds at dinner time. 这里提到了家长和孩子们谈论勇敢行为的问题，花时间关注他们的勇敢突破。

故答案为G。

（5）细节理解及推理判断。

You might encourage positive self-talk, such as saying, “I can handle this” or “I have courage to do this.” Or teach your child to take slow, deep breaths to find courage. 这里提到了一些简单的勇敢策略，故答案为D。

【点评】这是一篇七选五任务性阅读题，阅读时首先要弄清作者要向人们介绍说明什么，理解写作意图，理清线索，从而理解文章，看题时注意确定关键词，然后在文章中定位找到与选项一致的内容进行正确的判断。

3．任务型阅读
Have you used “um…” “like…” “you know…” in your speech? Catch words(口头禅) are unnecessary words used to fill up dead paces while you speak. Speaking too many catch words is like a bad habit that we are unaware of. While most people tend to ignore it in everyday conversation, in a formal speech or an interview, too many catch words can make even the best presentation look bad.________
Stop when we are in doubt. Catch words are used more often when a person is unsure about the sentence to use next.________If you are lost or in doubt over what to say next, just stop
speaking, take a long pause, breathe in , figure out what to say and start again.
Speak consciously and slowly. If the speech is too long and you talk continuously without thinking, then you might also be pushing in a few catch words in between.
________It is best to memorize the tricky parts of the speech, like the introduction and the conclusion where a majority of the catch words are used.
________ Preparing for the speech is very important when trying to remove catch words. Make it a point to pause when there is a comma or give two pauses at the end of the sentence. If certain words in the speech need to be emphasized then underline them and practice them as they need to be said.
Avoid catch words in conversations. Get a friend or your partner to help you out when rehearsing a conversation.________ Although it can be an unpleasant and often embarrassing process, but in the long run it helps in cutting down on catch words.
A. Practise your speech when you can.
B. Remember the saying that silence is golden.
C. Therefore we can find out best friends to guide us well.
D. Anytime you use a catch word, the friend can point it out.
E. So we should learn some ways to avoid speaking such words.
F. Structure the speech well to include as much information as is needed.
G. The mind is so busy trying to figure out what to say that there is a strong urge to speak such words.
【答案】E；G；F；A；D
【解析】【分析】本文讲述了口头禅的弊端，并且教给人们一些克服口头禅的方法。

（1）根据上句：太多的口头禅会让最好的演示看起来很糟糕。

由此可知，所以我们应该学会避免说这样的话。

故答案为E。

（2）根据下文：如果你对下一步说什么感到困惑或怀疑，停止说话，进行一个长的停顿，吸气，想清楚该说什么然后重新开始。

可知上句的意思是：大脑正忙着想说些什么，以致于有强烈的冲动要说这样的话。

故答案为G。

（3）根据全文结构可知二，三，四，五段是并列的，是教给人们一些克服口头禅的方法的，都应该用祈使句，此处是这一段的主题句，根据上句：如果演讲时间太长，你没有思考就不停地说话，然后你也可以在中间插入几个词。

再根据空格下句：最好记住演讲中棘手的部分。

由此可知：把演讲组织得好，包括必要的信息。

故答案为F。

（4）根据全文结构可知二，三，四，五段是并列的，是教给人们一些克服口头禅的方法的，都应该用祈使句，此处是这一段的主题句，根据下句：当试图除去不用一些口头禅时，为演讲做准备是非常重要的。

可知，尽可能地练习你的演讲。

故答案为A。

（5）根据上句：在排练对话时找个朋友或你的搭档帮忙。

再根据空格下句：虽然这可能是一个令人不愉快且常常令人尴尬的过程，但是从长远利益看它有助于减少口头禅。

句中的it指的就是“朋友给你指出口头禅这件事”，由此可知，任何时候你使用一个口头禅时，朋友都可以指出它。

故答案为D。

【点评】阅读时要通读文章，弄清文章的主旨大意。

答题时根据关键词定位并查找信息，注意上下文意思连贯，符合逻辑关系，切忌凭感觉做题。

4．任务型阅读
Old-fashioned carpooling (拼车) where a group of people take turns driving each other to work has always faced a resistance. In a study by ABC News, 84％of those who drive to work say that they still do it alone.________ For example, sometimes they simply cannot find anyone to share a ride with.
________ NuRide, a company providing online carpooling service, offers daily travelers not just a web-based list of would-be carpoolers but also a way to arrange a trip online. Here's how it works: rider seekers enter the positions where their trip will begin and end, the time they want to leave and if they're willing to drive or just ride in someone else's car. The website's search engine then looks for matches and makes lists of the names of traveling companions, along with the car model and the exact time and place to meet for each trip.________ Then they meet their car mates when it's time to go.
________ They are required to provide the name of their employer and a work e-mail address. Both need to be checked before being listed on the website.
So far, NuRide has arranged more man 50,000 rides on the website.________
A. NuRide users aren't riding with total strangers.
B. It has resulted in 1.4 million fewer miles driven.
C. They insisted that carpooling is just too inconvenient.
D. Now technology makes carpooling easier and more fun.
E. It is an environmentally friendly and economical way to travel.
F. Carpooling reduces travel cost, such as fuel cost and stress of driving.
G. People who want to share the ride can show their interest in joining in online.
【答案】C；D；G；A；B
【解析】【分析】本文是一篇说明文，介绍了现在的网络技术使得拼车更容易和更有趣。

NuRide公司，提供网上拼车服务，在线安排，满足所需，并且是实名制，安全放心。

（1）考查对上下文的理解和推理判断能力。

根据上文”In a study by ABC News, 84％of those who drive to work say that they still do it alone.“ 84%的开车上班的人说他们仍然独自开车；以及下文” For example, sometimes they simply cannot find anyone to share a ride with.“比如有时他们根本找不到人拼车。

再分析七个选项可以推断出拼车因为不方面，故C项符合。

（2）考查对上下文的理解和推理判断能力。

根据第二段的内容可知，NuRide的公司，提供网上拼车服务，在线安排，方便拼车又有趣。

分析七个选项可推断现代的技术让拼车很方便，故D符合题意。

（3）考查对上下文的理解和推理判断能力。

本空的上文主要列举出拼车的流程，由此可推断出想拼车的人可能会对此感兴趣。

故通过分析可知G符合题意。

（4）考查对上下文的理解和推理判断能力。

根据下文“They are require d to provide the name of their employer and a work e-mail address, Both need to be checked before being listed on the website.”可知要求提供雇主的名字和工作电子邮件地址并接受检查，可知都是经过登记检查的，而不能让陌生人搭乘，故A符合本空。

故选A。

（5）考查对上下文的理解和推理判断能力。

根据上文”So far, NuRide has arranged more
man 50,000 rides on the website.“到目前为止，NuRide users已经有更多的人搭乘超过50.000次。

通过分析剩下的三个选项，可知B. It has resulted in 1.4 million fewer miles driven”减少了140万英里的行驶。

“更为合适。

故选B。

【点评】本题要求考生在理解细节信息的基础上，进一步考查考生对上下文的理解和推理判断能力。

5．任务型阅读
Make the right choices
What is life's greatest gift?________Choice is the ability to select one course of action from a set of alternatives to achieve a goal. What is so great about choice? It transforms us from dumb animals into artists. Each of us becomes another Michelangelo. Choice becomes nothing other than the tool we use to sculpt (雕刻)our life. The tool doesn't come free, however, for the price of choice is responsibility.________The reward is happiness.
Life is not still. It is a flow.________We constantly need to monitor where we are on our journey. We need to ask questions: Am I moving closer to my goals? If not, what corrective measures can I take? What action will I take now to readjust myself to my goals? Choice is power. Choice is at the heart of life. It is the creative power of life.
________And your life becomes more convenient or comfortable because of them. For example, you decide which stores to shop at and which gas station to go to. But the decisions that we make to sculpt our lives are far more important than deciding where to shop. The more we appreciate the difference between minor and major decisions, the greater the probability that we will experience happiness and fulfillment.
All chess lovers realize that it isn't necessary to win to enjoy the game. The pleasure is in the playing. Life is like a chess game.________
A. It is free will or choice
B. You have to make choices every day
C. Make the best moves you can under the circumstances
D. But when we accept and carry it out, we get a great return
E. Every choice we make leads us closer to or farther from our goals
F. Life is full of hard choices, and the bigger they are, the harder they get
G. Choose to carry out responsibilities not because you have to, but because you want to
【答案】A；D；E；B；C
【解析】【分析】本文主要讲述了每个人每天都要面临各种各样的选择。

正确的选择究竟会给我们的人生带来些什么呢？
(1)本空前有问句，空后出现choice这一关键词，A选项既回答上文问题又引出了下文choice的概念，随后下文承接该话题继续展开。

故答案为A。

(2)其一，该项中carry out it中it指代的是上句中的responsibility；其二，虽然选择意味着责任，但是同时又会给我们带来巨大的回报，故答案为D。

(3)E选项是对上文的not still 和a flow的进一步解释。

另外，其中leads us与下文monitor 相呼应，且E选项中的closer to or farther from our goals与下文的Am I moving closer to my
goal? to readjust myself with my goals吻合。

故答案为E。

(4)其一，“因为每天都在选择，而使生活变得更加舒适和方便”。

其二，该空的后文举例说明前文的观点，故该空具有概括意义。

故答案为B。

(5)上文叙述“生活就像下棋”，下文“要走出特定环境下最好的一步棋”，前后为顺接关系，故答案为C。

【点评】做此类题时，注意分析篇章结构，找出各段的主题句或主旨大意。

分析段落内部的层次，即语篇层次，体会句与句之间的意义关系，把握作者思路，从语序上发现断续点，理清层次。

6．Read the passage carefully. Fill in each blank with a proper sentence given in the box. Each sentence can be used only once. Note that there are two more sentences than you need.
College graduation eventually means taking much of your attention in your first job search. This process can be challenging, especially for those students who had thought very carefully about their chosen major and their potential career path—or those who majored in a field not directly connected to a specific career he eventually got. If you are in one of these groups, fear not! ________
Some majors are tied directly to specific career fields. For example, if you wish to become a teacher, you will likely have needed to complete an education program and eventually sit for a licensing exam. The same applies to majors in nursing. If you did not complete an acceptable nursing program, you won't be able to take the nursing licensing exam. ________
Other majors, however, are closely related to career paths but don't necessarily require a degree in the area. For example, students who majored in finance, math, or statistics may also have the necessary skills to be hired as an accountant.
Hopefully, as a college student, you were able to do more than just attend classes and read your course books. Your non-academic experiences can be very influential on your future career as well. Did you work during college, volunteer, or participate in a club or organization?
________ If you volunteered with a non-profit organization such as a homeless or domestic violence shelter, seek out positions in social services related to case management or victim advocacy. You may qualify for a position regardless of your major.
Although it often seems like your college major alone determines your career fate, this just isn't the case. ________ If you don't know what career options to consider based on your major, talk to your faculty or academic advisor. You may be surprised at what opportunities await!
A. If so, and if you enjoyed these activities, seek out related careers.
B. In these cases, successfully completing a specific major is crucial to landing a job in the matching field.
C. Graduating from a university with an excellent major and practical ability will surely make you more competitive.
D. It may influence it, but there are other factors that influence your career options as well.
E. The more you learn about workforce market, the better you'll know the importance of a desired major.
F. Although your major and coursework are relevant to landing a job, they are not the only
deciding factors.
【答案】 F；B；A；D
【解析】【分析】本文是一篇以论文，大学生毕业后找工作很具有挑战性。

尤其是那些对所选专业及其可能选择的职业非常在意的学生，或者那些所学专业与他最终获得的具体职业没有直接联系的学生。

尽管你所学的专业和课程与所找的工作有关，但并不是唯一的决定因素，决定你的职业不只是你大学所学的专业，还有其他因素也会影响你的职业选择。

（1）考查对上下文的理解及推理判断能力。

根据空前“ This process can be challenging, especially for those students who had thought very carefully about their chosen major and their potential career path—or those who majored in a field not directly connected to a specific career he eventually got. If you are in one of these groups, fear not!”找工作是个挑战，尤其对于那些所学的专业与他最终要做的职业没有直接联系的学生。

如果你是这些团体中的一员，不要害怕，可知对于这样的一群人来说不害怕是因为"所学的专业和课程并不是唯一的找工作的决定因素"，F. Although your major and coursework are relevant to landing a job, they are not the only deciding factors.“尽管你的专业和课程与找工作有关，但它们并不是唯一的决定因素”符合题意，故选F。

（2）考查对上下文的理解及推理判断能力。

根据空前"Some majors are tied directly to specific career fields."可知，有些专业直接与特定的职业领域联系在一起。

以及“ If you did not complete an acceptable nursing program, you won't be able to take the nursing licensing exam.”如果没有护理专业的无法参加护理许可考试。

在这种情况下，成功完成某个专业对于找到相匹配领域的工作至关重要"， B. In these cases, successfully completing a specific major is crucial to landing a job in the matching field.“在这些情况下，成功完成某个专业对于在匹配领域找到工作至关重要”与此段的意义也是一致的。

可知B项符合题意，故选B。

（3）考查对上下文的理解及推理判断能力。

前面两段内容"然而，其他专业与选择的职业密切相关，但不一定需要该领域的学位。

你的非学术经历也会对你未来的职业生涯产生很大影响，如志愿者活动等。

如果喜欢这些活动的话，可寻找与之相关的职业。

" A. If so, and if you enjoyed these activities, seek out related careers.“如果是这样，如果你喜欢这些活动，寻找与之相关的职业”符合题意，故选A。

（4）考查对上下文的理解及推理判断能力。

根据空前“ Although it often seems like your college major alone determines your career fate, this just isn't the case.”"虽然看起来你的大学专业似乎决定你的职业命运，但事实并非如此。

"根据转折连词although可知，与你的专业无关的其他因素也会影响你的职业选择的。

D. It may influence it, but there are other factors that influence your career options as well.“它可能会影响你的职业选择，但也有其他因素会影响你的职业选择”符合题意，故选D。

【点评】本题要求在理解细节信息的基础上，着重考查对上下文的理解和推理判断能力。

7．Read the passage carefully. Fill in each blank with a proper sentence given in the box. Each sentence can be used only once. Note that there are two more sentences than you need.
If you shower before bed, you've probably wondered whether sleeping with damp hair is a problem. Maybe you've heard it could make you sick, or that it can damage your hair or skin.
What's the truth? Let's address the "it can make you sick" myth first. "________" says Dr. William Schaffner, a professor of medicine. While this idea persists, Schaffner says it was long ago disproved. It's true that you're much more likely to catch a common cold during the winter months. But this has to do with the ways respiratory (呼吸的) viruses spread, he says.
________ Illness-causing bacteria and viruses don't appear naturally, and so you're not going to make yourself ill by getting your pillow a little damp at night, Schaffner says. But there is a possible exception. Some research has shown that pillows—especially those made with synthetic materials—can contain asthma- or allergy-triggering molds(哮喘或致敏菌) and fungus, which tend to do well in damp environments, and so do dust mites, says Dr. Payel Gupta, a spokesperson for the American Lung Association.
Gupta says there's no evidence that people who sleep with wet hair experience more allergy or asthma symptoms. ________ But if you wake up with a stuffy nose, itchy or watery eyes, breathing problems or other allergy or asthma symptoms—or even if you don't—you should wash your pillow cases and sheets in hot water at least once a week to reduce your exposure to any potential irritants (刺激物).
When it comes to the health of your hair and skin, there may be a few other reasons to worry about wet hair. "Generally, it's thought not to be good for hair to sleep with it wet," says Dr. George Cotsarelis, a professor of dermatology (皮肤病学), "________"
It's also worth noting that almost anything you do to your hair—from brushing and blow-drying it to coloring it or exposing it to the sun—can damage it.
A. Hence, any concerns about wet hair are theoretical.
B. In some cases, wet hair may actually be a helpful sleep aid.
C. Over time, it can lead to breakages, as well as a loss of shine.
D. There may be some mild risks associated with going to bed with wet hair.
E. Another wet-hair rumor (谣传) is the idea that harmful bacteria will colonize your pillow.
F. This idea seems to fit into the old bit of custom that getting yourself chilled and wet will cause you to come down with a cold.
【答案】 F；E；A；C
【解析】【分析】本文是一篇说明文，介绍人们普遍认为湿着头发睡觉不利于健康，但是毫无科学依据，但湿头发睡觉对头发有不利影响。

（1）考查对上下文的理解和推理判断能力。

根据空后“While thi s idea persists, Schaffner says it was long ago disproved.”可知，尽管这个观点仍然存在，但是很久之前就被证明是错误的，F. This idea seems to fit into the old bit of custom that getting yourself chilled and wet will cause you to come down with a cold.“这个观点似乎和旧的观念相融合，这一观念认为感受到冷和湿润很可能会感冒”，承接下文，切题，故选F。

（2）考查对上下文的理解和推理判断能力。

根据空后“Illness-causing bacteria and viruses don't appear naturally, and so you're not going to make yourself ill by getting your pillow a little damp at night, Schaffner says.”可知，致病病菌不会自然出现，因此，不用因为打湿了一点枕头就觉得会感冒，E. Another wet-hair rumor(谣传) is the idea that harmful bacteria will colonize your pillow.“关于湿头发的谣言就是细菌会占满你的枕头”，后文对这个观点进行了反驳，切题，故选E。

（3）考查对上下文的理解和推理判断能力。

根据空前“Gupta says there's no evidence that people who sleep with wet hair experience more allergy or asthma sympt oms”可知，没有证据表明因为湿头发睡觉更有可能过敏或者风湿症状，A. Hence, any concerns about wet hair are theoretical.“因此，任何关于湿头发的担忧都是理论上的”，没有实际意义，开启下文，切题，故选A。

（4）考查对上下文的理解和推理判断能力。

根据空前“Generally, it's thought not to be good for hair to sleep with it wet”可知，一般说来，湿头发睡觉对头发不好，C. Over time, it can lead to breakages, as well as a loss of shine.“长时间这样的话，头发容易断，无光泽”，承接上文，切题，故选C。

【点评】本题要求在理解细节信息的基础上，着重考查对上下文的理解和推理判断能力。

8．任务型阅读
Directions：Read the passage carefully. Fill in each blank with a proper sentence given in the box. Each sentence can be used only once. Note that there are two more sentences than you need.
Most parents know that they need life insurance. But many would rather have a root canal than shop for the best life insurance policy.
“People don't think about, What will my family do if I am gone and not earning a living?'” says Peter Katt, a fee-only life insurance adviser.“ The whole point of this kind of planning is to provide the family with maximum flexibility so they're not stuck.”
Planning for your death is not a cheerful topic. Too often, parents make a quick decision, ignoring important considerations. Among their mistakes one is that they do not buy enough life insurance. ________“They don't think that the person who is not bringing in an income needs lif e insurance,” says Greg Daugherty, executive editor of Consumers Union. But if that person dies, the other parent can't stop working and usually has to pay someone to help care for the family.
________ Katt recommended that one young couple should buy $3 million for the husband who earns $100,000 a year and $1 million for the stay-at-home wife.
At the same time, many families rely on employer-provided life insurance, but employer-provided coverage is rarely sufficient to support your family. Many employer-provided policies provide a death benefit of $10,000 to $25,000—barely enough to cover your funeral expense. Some employers provide a year's salary, but that may also fall well short of the amount your family would need to maintain its standard of living.
Some employers let workers buy group life insurance through payroll deductions. They may be a good deal for workers who have health problems that would disqualify them for an individual policy. But if you're young and healthy, you may be able to get a better rate on your own.
Another drawback is that if you leave your job, you may not be able to take your insurance.“ Given the job market, most of us are not absolutely certain that our jobs are secure,” Daugherty says.“________”
On the other hand, some families buy too much insurance. Not everyone needs life insurance. Some people buy life insurance for babies, which is unnecessary, unless the baby is a child model who is supporting the family, Daugherty says: The purpose of insurance is to replace the income。