Questions 16 to 18 are based on the recording you have just heard.

Recording One

    When purchasing life insurance, there are many important factors to consider: one should buy the policies that give the most protection at the least cost, insure the right family members, and consider the family’s financial needs. T’s important to buy the insurance from companies that are financially sound and that are represented by honest, well-trained agents. At various stages in a person’s life, different kinds of life insurance are needed for particular situations.（16）Jerry is single and has no dependents, probably the only life insurance he needs is enough to cover his debts and burial expenses. Insurance can be purchased at a lower rate during the young years, buy buying while young, the premiums are paid in for a longer period of time. In the end, the amount paid for premiums is about the same. A person shouldn’t buy insurance protection that really isn’t necessary. Suppose that Jerry marries Jeannette who is a college graduate and is working. Perhaps enough insurance will be needed to cover their debts and burial expenses. Now Jeannette has quit work and their first child is on the way. They have purchased a home with small down payment and a 30-year mortgage. The situation regarding life insurance takes on a different look. There are dependents who need financial protection. How much insurance is needed? （17）As the family increases in size, it is essential to add more insurance on the breadwinner winner to protect the dependents. When the children are young and depend upon the family for financial needs, families with modest incomes have difficulty providing enough life insurance to protect the other and the children. Families with modest incomes should insure the breadwinner or breadwinners first. When considering the amount of insurances for the mother with dependent children, substitute child is a need that should be planned for until the children can care for themselves. The death of a small child would have no effect upon the income of the family. Perhaps a policy to meet funeral expenses would be sufficient for the young child, although most people do not take out insurance on their young children. （18）As the children become financially independent of the family, the emphasis on family financial security shift from protection to saving for the retirement years. Every family is different, it is important that each family give adequate thought to plan its financial future.

18. When should one change their life insurance?

解析：A。问题为：应当什么时候对人寿保险做出改变？录音末尾提到随着孩子们经济上的独立，家庭财务安全的重心应该从保障家庭转变为储备退休积蓄，因此正确答案选A，其中的grow up and leave home即为经济独立的表现。