A：I’ve just taken out an insurance policy. Are you insured? 
我刚买了份保险。你买保险了吗？

B：Yes, I am. I have life insurance and my home and its contents are also insured.
嗯，买了。我有人身保险，我家人还有家里的东西也都有保险。

A：I took out a life insurance policy and made my wife the beneficiary. 
我买了份人身保险，我的妻子是受益人。

B：That’ a good idea. You are a fireman and it can be dangerous job.
好主意。你们干消防的一定很危险。

A：I need to make sure that my wife will be financially secure if I die. 
如果我出了事，我要确保我妻子得到经济上的保障。

B：I can terminate my life insurance policy when I retire and use the money as a pension.
我退休后可以停止给我妻子交保险，可以把这部分钱做养老金。

A：That’s one of the conditions of my police too. It covers you if you die before you retire and when you retire.
这也是我的保险的条件之一。如果你在退休之前就去世了，那么就会得到赔付。

B：Did you have to take a medical before you could take out the police?
在拿到保险之前你体检了吗？

A：Yes, I did. It was one of the conditions of the insurance police. The insurance companies need to assess the risk. 
是的。这是保险的条件之一。保险公司要减少风险。