Complex Saint Michel Academic Year: 2021-2022
Level: 1ere G Duration: 2 hours
Name: …………………………………………………………………… Note:
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Second English Exam
Insurance is a way to manage your risk. When you buy insurance, you purchase protection
against unexpected financial losses. The insurance company pays you or someone you choose
if something bad happens to you. If you have no insurance and an accident happens, you may
be responsible for all related costs. Having the right insurance for the risks you may face can
make a big difference in your life. An insurance policy is a written contract between the
policyholder (the person or company that gets the policy) and the insurer (the insurance
company).
Insurance policies are often in place for a specific period of time. This can be referred to as
the policy term. At the end of that term, you need to renew the policy or buy a new one. When
you buy an insurance policy, part of your responsibility includes paying a fee called a
premium. Some premiums are paid monthly, like health insurance. Others may be paid once
or twice a year, like auto or homeowner’s insurance. The cost of your premium generally
depends on how much of a risk you are to the insurance company.
There are many types of insurance, but some common types are described here.
Health insurance: Helps you pay for doctor fees and sometimes prescription drugs. Once
you buy health insurance coverage, you and your health insurer each agree to pay a part of
your medical expenses — usually a certain dollar amount or percentage of the expenses.
Life insurance: Pays a person you select a set amount of money if or when you die. The
money from your life insurance policy can help your family pay bills and cover living
expenses.
Disability insurance: Protects individuals and their families from financial hardship when
illness or injury prevents them from earning a living. Many employers offer some form of
disability coverage to employees, or you can buy an individual disability insurance policy.
Auto insurance: Protects you from paying the full cost for vehicle repairs and medical
expenses due to a collision. In most states, the law requires you to have auto insurance when
operating a motor vehicle.
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I. Reading comprehension (9 marks)
A. Read the text and say if the sentences are true or false; justify by quoting from the
text (3 marks )
1. Health, live, disability and auto insurances are the only existing insurances.
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2. All the premiums are paid once or twice a year.
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3. The money from your life insurance policy can help your family pay bills and cover living
expenses after your death.
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B. What or who do the following words refer to ( 2 marks)
1. This can be: ………………………………………………………………………………
2. Prevents them from: ………………………………………………………………………
3. Protects you from: ………………………………………………………………………..
4. Others may be paid:
……………………………………………………………………….
C. Find the French of these English words ( 2 marks)
1. Purchase: ……………………………………………………………………………..
2. Premium: ………………………………………………………………………………
3. Amount: ………………………………………………………………………………
4. Expenses
D. Go to the indicated paragraphs and find the equivalents of these French words in
the text ( 2 marks)
1. Accord (para 1): ………………………………………………………………………
2. Pertes (para 1):
…………………………………………………………………………
3. Taxe (para 2): …………………………………………………………………………
4. Frais d’assurance (para 2):
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II. LINGUISTIC COMPETENCE
A) Fill in the blanks with the adjectives in brackets in a comparative or superlative
form. (2marks)
1. There are four main branches of insurance business; life insurance is
……………………………….. (Popular) form of insurance.
2. And it’s also …………………………………………. (Expensive) the others forms.
3. Fire insurance is …………………………………………. (Important) accident
insurance but the latter is becoming ………………………………………….
(Popular) with the perils inherent in modern living.
B) Reformulate the following sentences using the prompt given (4
marks)
1. Homeowners insurance provides financial protection against disasters.
Financial protection
………………………………………………………………………..
……………………………………………………………………………………………….
2. “The policyholder’s must take reasonable precautions to protect the home from damage.”
He says that
…………………………………………………………………………………
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3. If there is no maintenance, an insurance policy will not cover damage
Unless ……………………………………………………………………………………….
………………………………………………………………………………………………
4. You can buy an individual disability insurance policy.
An individual disability ………………………………………………………………
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WRITING (5 marks)
Topic: The insurance sector is increasingly in demand nowadays. In a few lines, name two
types of insurance company in Senegal and their usefulness in life.
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