Finally, insurance is a difficult, complex subject. No one understands it completely and only a few insurance professionals really feel comfortable in a discussion of automobile, life, and major medical coverages. We feel inadequate and try to hide our ignorance by avoiding discussions of insurance.
最后，保险是很难弄懂很复杂的问题。除了极小数的保险业的专家在讨论起车险，寿险和重病医药险等险种的承保范围时会高谈阔论而外，没有任何人能完全懂得保险业务。我们觉得自己没有足够的保险业务知识，因而避免讲保险问题，以便掩饰我们自己的无知。
Yet these three reasons for not discussing insurance provide three excellent reasons why we should learn more about it. Insurance is expensive. In a lifetime, many of us spend as much on insurance as we do on the purchase of a home. If we are to spend our money intelligently, we need information about the products and services available. We don't depend entirely on salespeople when we buy a car, a house, or a suit of clothes. Neither should we depend entirely on the agent when we buy insurance. We need a basic knowledge of insurance coverages if we are to be intelligent consumers.
可是，这不愿讨论保险问题的三个原因也正是我们应该更多地学些保险知识的三个充足的理由。保险费太贵。我们很多人，一辈子花的保险费跟购买房子的费用是一样多的。如果我们要把钱花得明智一些，我们就将需要获得有关购买产品或服务项目的一些信息资料。在我们买小汽车、买房子或买一套衣服时，我们不能完全相信销售人员；在我们买保险时，我们也不应该完全相信或依靠保险公司的代理人。如果我们打算要做明智的消费者，我们就需要有承保范围或者叫保险涵盖方面的知识。
The intelligent consumer looks problems in the face. Although accident, illness, and death are not pleasant subjects, each of us knows we face these possibilities. It is better that we plan for these situations by finding means to deal with them than to just hope that they will somehow go away.
明智的投保人要正视种种问题。尽管事故，疾病和死亡都不是令人愉快的话题，但是我们每个人都知道我们都有发生这些灾害的可能。针对这些可能发生的情况，我们计划一下找出对付灾害的办法，这总比我们只是凭空希望这些灾害会不知不觉地自动消失要好得多。
Although insurance can be complex, its basic concepts are neither difficult nor impossible to learn. Quite the opposite. Insurance fundamentals can be understood by those willing to study them. Serious study provides knowledge. The study of insurance is an effective, proven method of dealing with the insurance ignorance faced by many American families.
尽管保险可能是复杂的，但是保险的一些基本概念既不是很难懂的，也不是不可能学会的。恰恰相反，只要是愿意学习保险知识的人，都能弄明白保险的基本原则。认真地钻研就能获得保险的知识。钻研保险知识是很多美国家庭用来对付不懂保险情况的一种行之有效的切实可行的方法。
