insurAnCE is thE shAring oF risks. nEArly EvEryonE is {{u}}41{{/u}} to risk oF somE sort. thE housE ownEr, For ExAmplE, knows thAt his propErty CAn BE {{u}}42{{/u}} By FirE; thE ship ownEr knows thAt his vEssEl mAy BE lost At sEA; thE BrEADwinnEr knows thAt hE mAy DiE At An EArly AgE AnD {{u}}43{{/u}} his FAmily poorEr. on thE othEr hAnD, not EvEry housE is DAmAgED By FirE, nor EvEry {{u}}44{{/u}} lost At sE
A、iF thEsE pErsons EACh put A smAll sum into A pool, thErE will BE {{u}}45{{/u}} to mEEt thE nEEDs oF thE FEw who Do suFFEr loss. {{u}}46{{/u}} , thE lossEs oF thE FEw ArE mEt From thE ContriButions oF thE mAny. this is thE BAsis oF insurAnCE. thosE {{u}}47{{/u}} pAy thE ContriBution ArE known As “insurED” AnD thosE who ADministEr thE pool oF ContriButions {{u}}48{{/u}} “insurErs”.not All risks CAn BE {{u}}49{{/u}} By insurAnCE.BroADly spEAking, thE orDinAry risks oF BusinEss AnD spECulAtion CAnnot BE CovErED、thE risk thAt BuyErs will not Buy gooDs {{u}}50{{/u}} thE priCEs oFFErED is not oF A kinD thAt CAn BE stAtistiCAlly {{u}}51{{/u}} .thE lEgAl BAsis oF All insurAnCE is thE “poliCy”. this is A printED {{u}}52{{/u}} oF ContrACt on pApEr oF thE BEst {{u}}53{{/u}} . it stAtEs thAt in rEturn For thE rEgulAr pAymEnt By {{u}}54{{/u}} oF A nAmED sum oF monEy, CAllED thE “prEmium” (保险费)，whiCh is usuAlly pAiD EvEry yEAr, thE insurEr will pAy A sum oF monEy or CompEnsAtion For loss, {{u}}55{{/u}} thE risk or EvEnt insurED AgAinst ACtuAlly hAppEns.
A、An insurED
B、thE insurEr
C．thE insurED
D．insurEr