Text 4 　　Many people talked of the 288,000 new jobs the Labor Department reporled for Jure, along with the drop in the unemployment take to 6 J percent. at good news. And they were right. For now it appears the economy is creating jobs at a decent pace. We still have a long way to go to get back to full employment, but at least we are now finally moving forward at a faster pace. 　　However there is another important part of the jobs picture that was targely ovedookcd. There was a big jump in the number of people who report voluntarily working part-time. This figure is now 830,000（4,4 percent）above its year ago level. 　　Before explaining the connection to the Obamacare, it is worth making an important distinction. Many people who work part-time jobs actually want full-time jobs. They take part-time work because this is all they can get. An increase in involuntary part-time work is evidence of weakness in the labor market and it means that many people will be having a very hard time making ends meet. 　　There was an increase in involuntary part-time in June, but the general direction has been down. Involuntary part-time employment is still far higher than before the recession, but it is down by 640,000(7.9 percent)from its year ago level. 　　We know the difference between voluntary and involuntary part-time employment because people tell us. The survey used by the Labor Department asks people if they worked less than 35 hours in the reference week. If the answer is "yes."they are classified as working part-time. The survey then asks whether they worked less than 35 hours in that week because they wanted to work less than full time or because they had no choice. They are only elassified as voluntary part-time workers if they tell the survey taker they chose to work less than 35 hours a week. 　　The issue of voluntary part-time relates to Obamacare becanse one of the main purposes was to allow people to get insurance outside of employment. For many people, especially those with serious health conditions or family members with serious health conditions, before Obamacare the only way to get insurance was through a job that provided health insurance. 　　However, Obamacare has allowed more than 12 million people to either get insurance through Medicaid or the exchanges. These are people who may previously have felt the need to get a full-time job that provided insurance in order to cover themselves and their families. With Obamacare there is no longer a link between employment and insurance.

It can be learned that with Obamacare,（）

A:it is no longer easy for part-timers to get insurance B:employment is no longer a precondition to get insurance C:it is still challenging to get insurance for family members D:full-time employment is still essential for insurance

Whole life is permanent insurance protection that protects you for your whole life, from the day you purchase the policy until you die, as long as you pay the premiums (保险费).
Whole life can be a solid foundation. Upon this foundation you can build a long-term financial plan, because it guarantees lifetime protection for your family or business.
Whole life insurance provides basic insurance protection, plus Mortgage protection, Estate preservation, Retirement funding, Charitable giving, Business needs...
A life insurance agent will help you determine an amount of insurance needed to protect your family or business in the event of your death.
Generally after the first year, the policy begins to increase cash value. The amount of cash value in your policy usually increases every year. This money can be used to help purchase a home, fund a child’s education, add to retirement income, or for any other purpose. You may also choose to leave it in the policy and allow it to grow.
A whole life policy can earn dividends. Dividends are determined by the company’s board of directors each year and are not guaranteed. When a dividend is payable, you may choose to take it in cash, use it to buy more insurance or to pay or reduce your premiums.
When you die, the company will pay your beneficiaries the death benefit, usually the face amount of the policy plus any dividend. This money is generally received by the beneficiaries free from income tax.
What is whole life insurance

A:It’s permanent insurance protection from the day you were born until you die. B:It’s permanent insurance protection that protects you for your whole life, from the day you buy it until you die. C:It’s insurance protection for your whole family members. D:It’s income protection insurance.

“Cost，Insurance and Freight”means that the seller delivers when the goods pass (1) in the port of shipment．The seller must pay the costs and (2) necessary to bring the goods to the named port of destination．But the risks of loss of or damage to the goods，as well as any additional costs due to events occurring after the time of delivery，are transferred from the seller to the buyer．However，in CIFthe (3) also has to procure insurance against the buyer’s risk of loss of or damage to the goods during the carriage．Consequently，the seller contracts for insurance and pays the (5) ．The CIF term requires the seller to (5) the goods for export．

A:insurance premium B:commission C:freight D:discount

In insurance, the party who insures others against possible loss or damage and promises to effect payment in case of loss or damage is called（）.

A:insured B:insurance C:underwriter D:consignor

An insurance agreement is called an（ ）.

A:insurance policy B:insurance contract C:insurance cover D:insurance document

What is the name given to the sum of money which a person agrees to pay to an insurance company（ ）

A:compensation B:commission C:insurance value D:premium

An insurance agreement is called an（ ）.

A:insurance policy B:insurance contract C:insurance cover D:insurance document

What is the name given to the sum of money which a person agrees to pay to an insurance company（ ）

A:compensation B:commission C:insurance value D:premium