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【历年真题】November2003Course5（2）：北美精算师考试soa

来源：高顿网校 2014-07-18

　　有正在浏览此页的北美地区精算师学子咩？下面就是高顿网校小编赠送您的【历年真题】November2003Course5（2）：北美精算师考试soa。
　　8. (4 points) Describe the issues that must be considered for the design and pricing of:

　　(a) Group vision and hearing benefits

　　(b) Group legal benefits

　　COURSE 5: Fall 2003 - 6 - GO ON TO NEXT PAGE

　　Morning Session

　　COURSE 5

　　MORNING SESSION

　　APPLICATION OF BASIC ACTUARIAL PRINCIPLES

　　SECTION B-MULTIPLE CHOICE

　　COURSE 5: Fall 2003 - 7 - GO ON TO NEXT PAGE

　　Morning Session

　　1-7. Each of questions 1 through 7 consists of two lists. In the list at the left are two items,

　　lettered X and Y. In the list at the right are three items, numbered I, II, and III. ONE of

　　the lettered items is related in some way to EXACTLY TWO of the numbered items.

　　Indicate the related items using the following answer code:

　　Lettered Item

　　Is Related to Numbered Items

　　(A)

　　X

　　I and II only

　　(B)

　　X

　　II and III only

　　(C)

　　Y

　　I and II only

　　(D)

　　Y

　　I and III only

　　(E)

　　The correct answer is not given by (A), (B), (C) or (D).

　　1. X. Canadian Employment Insurance

　　(EI)

　　I. Death benefits available

　　Y. Canadian Worker’s Compensation II. Supplemental unemployment

　　benefits

　　III. Employer premium reduction

　　program

　　2. X. Defined benefit pension plan I. Age neutral

　　Y. Defined contribution pension plan II. Golden handcuffs

　　III. Cash balance plan

　　3. X. Captive agents I. Commission overrides

　　Y. Banks II. Streamlined underwriting and issue

　　processes

　　III. Life insurance for estate planning

　　COURSE 5: Fall 2003 - 8 - GO ON TO NEXT PAGE

　　Morning Session

　　4. X. An employer with 5 employees I. Maternity coverage is mandatory.

　　Y. An employer with 40 employees II. For active employees, Medicare is

　　the secondary insurer.

　　III. The health plan carrier is not likely

　　to use a composite rating method.

　　5. X. Distributable earnings I. Used in return on equity (ROE)

　　calculation.

　　Y. Shareholder earnings II. Independent of required capital.

　　III. Better reflects owners’ expected

　　cash flows.

　　6. X. Aggregate method I. Benefit allocation cost method

　　Y. Projected unit credit method II. No unfunded actuarial liability

　　III. Actuarial losses not explicitly

　　recognized

　　7. X. Income annuity products I. Lapses are a key assumption in

　　pricing.

　　Y. Accumulation annuity products II. Longevity risk is a key concern.

　　III. In the U.S., the minimum solvency

　　reserves are calculated using the

　　Commissioners’ Annuity Reserve

　　Valuation Method (CARVM).

　　COURSE 5: Fall 2003 - 9 - GO ON TO NEXT PAGE

　　Morning Session

　　8-20. Each of questions 8 through 20 consists of an assertion in the left-hand column and a

　　reason in the right-hand column. Code your answer to each question by blackening

　　space:

　　(A) If both the assertion and the reason are true statements, and the reason is a correct

　　explanation of the assertion.

　　(B) If both the assertion and the reason are true statements, but the reason is NOT a

　　correct explanation of the assertion.

　　(C) If the assertion is a true statement, but the reason is a false statement.

　　(D) If the assertion is a false statement, but the reason is a true statement.

　　(E) If both the assertion and the reason are false statements.

　　8.

　　ASSERTION

　　Personal-producing general

　　agents receive higher

　　commissions than captive agents.

　　BECAUSE

　　REASON

　　Personal-producing general agents

　　typically provide training and

　　office space for captive agents.

　　9.

　　ASSERTION

　　In Canada, the licensing of

　　physicians falls under federal

　　jurisdiction.

　　BECAUSE

　　REASON

　　In Canada, the Federal

　　government sets national

　　standards for the provision of

　　health care.

　　10.

　　ASSERTION

　　For individual health insurance,

　　the loss ratio method is the most

　　common method of determining

　　premium rate changes.

　　BECAUSE

　　REASON

　　For individual health insurance,

　　under the loss ratio method, the

　　policyholder’s original rating class

　　does not have to be preserved.

　　COURSE 5: Fall 2003 - 10 - GO ON TO NEXT PAGE

　　Morning Session
　　高顿网校之名人思想：世上没有绝望的处境，只有对处境绝望的人。

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