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北美精算师考试SOA真题珍藏——November2003Course5（四）

来源：高顿网校 2014-07-18

　　高顿网校友情提醒大家，以下则是高顿网校小编为您精心编制的北美精算师考试SOA真题珍藏——November2003Course5（四），请耐心看大纲，不辜负我们的殷切期盼哦。
　　17.

　　ASSERTION

　　Under a defined benefit pension

　　plan, the plan termination

　　liability is usually less than the

　　plan continuation liability.

　　BECAUSE

　　REASON

　　Under a defined benefit pension

　　plan, the plan termination

　　valuation omits salary projections.

　　18.

　　ASSERTION

　　Yearly Renewable Term (YRT)

　　reinsurance is commonly used

　　with annuities.

　　BECAUSE

　　REASON

　　YRT reinsurance removes the

　　insurer’s investment risk.

　　19.

　　ASSERTION

　　In the U.S., manual rates

　　developed for large group health

　　plans do not depend on the

　　group’s specific gender mix.

　　BECAUSE

　　REASON

　　In the U.S., the federal

　　government restricts the use of

　　gender-based employee

　　contribution rates for large group

　　health plans.

　　20.

　　ASSERTION

　　Incurred loss-development

　　factors may be greater than one.

　　BECAUSE

　　REASON

　　Final loss development in a claim

　　file may be negative.

　　COURSE 5: Fall 2003 - 13 - GO ON TO NEXT PAGE

　　Morning Session

　　21. For a property and casualty product, you are given:

　　Expected effective incurred losses (trended and developed) 50,000,000

　　Earned exposure units 2,000,000

　　Earned premium at current rates 66,000,000

　　Current average manual rate 33

　　Expense ratio 30%

　　Calculate the new average gross rate that should be charged.

　　(A) 25

　　(B) 30

　　(C) 36

　　(D) 47

　　(E) 83

　　COURSE 5: Fall 2003 - 14 - GO ON TO NEXT PAGE

　　Morning Session

　　THIS PAGE INTENTIONALLY LEFT BLANK

　　COURSE 5: Fall 2003 - 15 - GO ON TO NEXT PAGE

　　Morning Session

　　22. For a variable income annuity, you are given:

　　Initial annual income benefit = 10,000

　　AIR = 4%

　　Policy Year Net Investment Return

　　1 5%

　　2 3%

　　3 1%

　　4 7%

　　5 2%

　　Calculate the annual income benefit in policy year 5.

　　(A) 9,799

　　(B) 9,991

　　(C) 10,009

　　(D) 10,205

　　(E) 11,699

　　COURSE 5: Fall 2003 - 16 - GO ON TO NEXT PAGE

　　Morning Session

　　THIS PAGE INTENTIONALLY LEFT BLANK

　　COURSE 5: Fall 2003 - 17 - GO ON TO NEXT PAGE

　　Morning Session

　　23. All of the following are criteria for a risk to be insurable EXCEPT:

　　(A) The loss is definite.

　　(B) The loss is random.

　　(C) The exposure units are dependent.

　　(D) The economic value of insurance is calculable.

　　(E) It is economically feasible.

　　24. The administration of life insurance policies is similar to health insurance policies for all

　　of the following EXCEPT:

　　(A) Use of medical examination

　　(B) Premium collection

　　(C) Policy issue

　　(D) Application

　　(E) Claims administration

　　COURSE 5: Fall 2003 - 18 - GO ON TO NEXT PAGE

　　Morning Session

　　25. For overhead expense benefit policies, all the following are true EXCEPT:

　　(A) Elimination periods usually exceed 60 days.

　　(B) Benefit periods usually exceed two years.

　　(C) Actual expenses incurred are covered up to a maximum amount.

　　(D) Benefits are independent of other disability income policies replacing earned

　　income.

　　(E) Surrogate salary benefit is available.
　　高顿网校之做人道理：要冒一险！整个生命就是一场冒险，走得最远的人常是愿意去做、愿意去冒险的人。

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