Benjamin Franklin helped form the first fire insurance company in America in 1752, and then a new kind of insurance for farmers was suggested. The new insurance would provide protection against the loss of crops from storms.

　　Later on another new insurance company was started in America. This company, which offered life insurance, collected small sums of money regularly from many different men. If a man died, his family was given a large sum of money.

　　Over the years, insurance companies have offered new kinds of insurance protection. The new kinds of insurance cover losses from such accidents as car and plane crashes. Today, most people have some kind of insurance.

　　36. Who helped set up the first company in America?

　　A. Benjamin Franklin.

　　B. Businessmen.

　　C. The first insurance company in London.

　　D. Farmers.

　　37.Insurance means ____.

　　A. Protection against the losses from the storms

　　B. protection against illness

　　C. Protection against accidents

　　D. all of the above

　　38.The first modern insurance company offered ____.

　　A. life insurance

　　B. fire insurance

　　C. a new kind of insurance

　　D. both A and B

　　39.Why do most people buy some kind of insurance today?

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