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．

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