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北美精算师考试SOA——历年真题November2003Course5（第五部分）

来源：高顿网校 2014-07-18

　　请耐心回忆老师上课说的北美精算师的知识点，结合北美精算师考试SOA——历年真题November2003Course5（第五部分）。——高顿网校小编
　　26. Rank in ascending order (smallest to largest) the mortality assumptions under the

　　following underwriting approaches.

　　I. Simplified issue

　　II. Nonmedical

　　III. Guaranteed issue

　　(A)

　　I

　　<

　　II

　　<

　　III

　　(B)

　　I

　　<

　　III

　　<

　　II

　　(C)

　　II

　　<

　　I

　　<

　　III

　　(D)

　　III

　　<

　　I

　　<

　　II

　　(E)

　　III

　　<

　　II

　　<

　　I

　　COURSE 5: Fall 2003 - 19 - GO ON TO NEXT PAGE

　　Morning Session

　　27. For dynamic life insurance produc ts, all of the following are true EXCEPT:

　　(A) Premiums are flexible.

　　(B) Commissions are a low percentage of premiums up to a “target premium.”

　　(C) Surrender charges reduce to zero over a number of years.

　　(D) Expense charges are usually a percentage of premiums plus a flat amount per

　　month.

　　(E) Death benefits are usually greater than or equal to the account value.

　　28. Rank in ascending order (smallest to largest) the following products according to the

　　level of investment risk transferred to policyholders.

　　I. Two-tiered annuity

　　II. Equity-indexed annuity

　　III. Variable universal life insurance

　　(A) I < II < III

　　(B) I < III < II

　　(C) II < I < III

　　(D) III < I < II

　　(E) III < II < I

　　COURSE 5: Fall 2003 - 20 - GO ON TO NEXT PAGE

　　Morning Session

　　29. A company may segment assets for all of the following reasons EXCEP T:

　　(A) To allow different lines of business to make independent investment choices.

　　(B) To simplify accounting.

　　(C) To back liabilities with assets of similar terms.

　　(D) To credit “new money” interest rates to policies.

　　(E) To back products that offer cash surrender values with liquid assets.

　　COURSE 5: Fall 2003 - 21 - GO ON TO NEXT PAGE

　　Morning Session

　　30. For a defined benefit pension plan, you are given:

　　Actuarial cost method: Traditional unit credit

　　Normal retirement benefit: 30 per month per year of service

　　Interest rate: 7.0%

　　Pre-retirement decrement other than death: None

　　Retirement age: 65

　　Participants as of January 1, 2002: 50 active participants, all age 55

　　Selected mortality value: q55 = 0.02

　　Normal cost for 2002: 150,000

　　All 50 participants are still active as of January 1, 2003.

　　Calculate the normal cost for 2003.

　　(A) 153,061

　　(B) 157,290

　　(C) 160,500

　　(D) 163,775

　　(E) 167,250

　　COURSE 5: Fall 2003 - 22 - GO ON TO NEXT PAGE

　　Morning Session

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　　COURSE 5: Fall 2003 - 23 - GO ON TO NEXT PAGE

　　Morning Session

　　31. For a prescription drug plan, you are given:

　　All prescriptions cost at least $10.

　　The average prescription is $75.

　　The current plan has a $5 per prescription copay.

　　The current utilization is 8,500 annual prescriptions per 1,000 members.

　　The utilization will drop to 7,800 annual prescriptions per 1,000 members if the

　　per prescription copay is increased from $5 to $10.

　　Calculate the estimated change in the gross cost per member per month (PMPM) if the

　　copay is increased from $5 to $10.

　　(A) -$3.40

　　(B) -$3.90

　　(C) -$4.40

　　(D) -$4.60

　　(E) -$7.30

　　COURSE 5: Fall 2003 - 24 - GO ON TO NEXT PAGE

　　Morning Session

　　THIS PAGE INTENTIONALLY LEFT BLANK

　　COURSE 5: Fall 2003 - 25 - GO ON TO NEXT PAGE

　　Morning Session
　　高顿网校之为人处世：知识给人重量，成就给人光彩，大多数人只是看到了光彩，而不去称量重量。

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