Which of the following statements is true of insurance companies according to the text?
A、Insurance companies lose much money in order to cover people's losses.
B、Insurance companies help relieve the financial burdens of individual families by having many people to share them.
C、Insurance companies take great risks by providing insurance to their customers.
D、Insurance companies guarantee that those who buy their insurance will not suffer any financial loss at all.
【正确答案】：B
【名师解析】:选项B是正确的。保险的本质是一种风险分散机制。通过保险，人们支付小额的保险费用，将个人可能面临的大额经济损失风险转移给保险公司。当发生保险事故时，保险公司会根据保险合同的条款，对投保人进行赔偿，从而减轻个人或家庭的财务负担。这种机制允许许多人共同承担风险，而不是由单个个体独自承担。选项A、C和D都不符合保险公司的运作方式。保险公司并不是为了亏损而存在，它们通过精算和风险管理来确保盈利。同时，保险公司提供的是风险保障，而不是绝对的财务损失保证，它们也不会承担无限风险。
