第4题: [单项选择]Insurance premiums do not become too high because ______. A. not many people suffer loss B. they are fixed according to how likely the risk of loss is to happen C. not many people insure themselves D. insurance companies compete with each other 参考答案:D 答案解析:第三段作者分析了保险费高、低的利弊,保险费过高,和其他的保险公司相比,就会失去竞争,丢了业务;过低的话,公司在资金上会出现赤字,甚至会导致破产,故选 D项。