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Insure means to protect _16_ a loss of money. Most people can budget their money so that their income will cover expected expenses _17_ food, clothing, housing, and public services. But, there is no way to know _18_ who will suffer a crisis (危機) such as a serious illness, fire, flood, or a car accident. Such crises usually _19_ great expense. Even if people could predict crises, it would be hard to save enough money to _20_ the expenses. Insurance is a system _21_ a company collects money from many individuals and then pays certain expenses whenever one of those insured individuals is faced with a certain crisis. An insurance policy _22_ how much the insurance costs and how much the company will pay when a policy holder is faced with a certain crisis. There are many different kinds of insurance, _23_ hospital, motor-car and fire. Insurance can be rather expensive but most people buy insurance of some kind. Insurance is something _24_ people buy and hope they will _25_ need.
1.A. for      B. from      C. against       D. with
2.A. such as  B. for example C. that        D. the same as
3.A. predict  B. ahead     C. in advance    D. earlier
4.A. result from B. make   C. take          D. result in
5.A. cover    B. pay back  C. fill          D. make full
6.A. that     B. by which  C. what          D. where
7. A. said    B. agree     C. make sure     D. states
8.A. include  B. including C. as well as    D. also
9.A. which    B. that      C. as            D. like
10.A. never    B. ever      C. sometimes     D. often

參考答案：

1-5:CADCA   6-10:BDBBD