For the average person, one of the biggest risks is premature death. Therefore, the purchase of life insurance is the most cost-effective and the cheapest option. However, the insurance company's insurance varieties are more than this. Investment in insurance can be tax-free. However, as a kind of investment insurance also has the disadvantage that the scope of the insurance may require cost. Many companies are able to pay a premium of 1 / 4 for serious illness insurance, but the insurance industry is also more complicated and difficult to offer a variety of products.

　　61.The purpose of insurance is to___.

　　[A]give you money whenever you need

　　[B]protect you from financial risks

　　[C]save money

　　[D]outlive money

　　62.What does the underlined word“they”in Paragraph 2 refer to?

　　[A]Creative and competitive insurance products.

　　[B]Insurance companies.

　　[C]Other alternatives.

　　[D]Investments.

　　63.What advantage will there be if one buys life insurance instead of making other investments?

　　[A]He will have money for a retirement home.

　　[B]It will cost him nothing if he buys an life insurance.

　　[C]Profit he earns from insurance is tax—free.

　　[D]It is cheap to buy a life insurance.

　　64.What does MacDonald warn people when they intend to buy life insurance products?

　　[A]It is expensive to invest on life insurance products.

　　[B]Some insurance has some specific terms.

　　[C]Some insurance companies will Not provide satisfactory terms.

　　[D]People should not use insurance policies purely as an investment.

　　65.Which of the following statements is true about insurance products?

　　[A]People have NO choice when buying insurance products.

　　[B]There were SO many choices in insurance products in the past that people found it difficult to make a decision.

　　[C]There are no better and cheaper insurance products.

　　[D]It is better for people to have so many insurance products to choose.