[填空题]Most of the insurance companies operate in larger cities where there are more potential clients.

Most insurance companies in the world are stock insurance companies or mutual insurance companies. A stock insurance company is owned by stockholders, who share in profits earned by the company. A mutual insurance company is owned by the policyholders (投保人). Profits earned by a mutual insurance eompany are returned to the policyholders as dividends (股息) or used to cut future insurance cost.
In addition to the private insurance organizations, certain types of insuranee are provided in the U. S. by governmental organizations. A notable instance is the system of social security operated by the federal government through the Social Security Administration.
An insurance company may require a policyholder to provide proof of the ownership and the value of lost or damaged property before it pays compensation. For this reason, policyholders should have such evidence of their possessions as lists, sales receipts, appraisals (估价单), or photographs. The evidence should
A. are shared by the stockholders
B. are all given to the policyholders as stocks
C. are used to reduce future insurance cost
D. are used in some investment

Insurance companies provide a service to the community by protecting it against expected and unexpected disasters. Before an insurance company will agree to (1) anything, it collects accurate figures about the (2) . It knows, for example, that the risk of a man being killed in a plane accident is less than the risk he (3) in crossing a busy road. This (4) it to quote low figures for travel insurance. Sometimes the risk may be high, as in motorracing or mountaineering. Then the company (5) a much higher price. (6) too many climbers have accidents, the price rises still further. If the majority of climbers fall off mountains, the company will (7) to insure them.
An ordinary householder may wish to protect his home against fire or his (8) against burglary. A shop keeper may wish to insure against (9) . In (10) cases, the company will check its statistics and quote a premium. If it is
A. premium
B. price
C. relief
D. property