单词讲解：

premium n. 保险费，额外费用；奖金

premium rate 保险费率

短语讲解：

1. just a second= wait a miunte 请稍等

2. validity term= term of validity 有效期

3. up to 直到；在于……；能胜任

eg. When you sew up to this end, fasten off the thread.
当你缝到这头时，把线打个结。

eg. We saw a truck drawing up to our building.
我们看到一辆卡车开到我们楼前停住。

eg. I can take up to four people in my car.
我的汽车最多能坐四个人。