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SOA精算师考试——经典真题Course8G（第3部分）

来源：高顿网校 2014-07-22

　　有来报考今年10月份北美精算师考试的么？赶紧鼠标戳进来看——SOA精算师考试——经典真题Course8G（第3部分）
　　12.(4points)Youareanactuaryresponsiblefordevelopingyourcompany’sfinancial

　　forecastmodels.Recentlyyourcompanyhasimprovedaccessandqualityofdata.The

　　ChiefActuaryisnowencouragingyoutoincorporateadditionalsituationsinforecast

　　modeling.

　　(a)(3points)Discussbasicprinciplesfordesigningforecastmodels.

　　(b)(1point)Outlinewaysinwhichforecastmodelingcaninfluencecompany

　　actionstohelpachievebusinessobjectives.

　　COURSE8:Fall2005-13-GOTONEXTPAGE

　　HealthandGroupLifeSegment

　　13.(8points)YouarethechiefactuaryforABCInsuranceCompany.Youareconsidering

　　purchasinganindividualinsuranceblockofbusinessbutareconcernedaboutABC’s

　　abilitytoadministersuchbusiness.

　　(a)Discussthestepsanagentgoesthroughinsellingandservicingindividualhealth

　　insurancepolicies.

　　(b)Describeconsiderationsinplandesign,pricing,anddistributionchannels.

　　(c)Describethetypicalunderwritingconsiderationsforindividualhealthinsurance.

　　(d)Describeelementsincludedinratingclassificationsystems.

　　(e)Explaintypesofpremiumguaranteesthatcouldbeoffered.

　　COURSE8:Fall2005-14-GOTONEXTPAGE

　　HealthandGroupLifeSegment

　　14.(4points)YouarethevaluationactuaryforTATHealthInsuranceCompany.Youare

　　concernedabouttheincreaseinturnaroundtimeforclaimpaymentandhavebeen

　　workingwiththemanageroftheclaimsareatoaddressthisconcern.

　　(a)Describethebasicpurposesofclaimsandbenefitsadministration.

　　(b)Discussthecommonproblemsseeninclaimsandbenefitsadministrationand

　　theirramifications.

　　(c)Outlinethebasicprinciplesofinventorymanagementandmechanismsfor

　　inventorycontrol.

　　COURSE8:Fall2005-15-GOTONEXTPAGE

　　HealthandGroupLifeSegment

　　Question15pertainstotheCaseStudy

　　15.(5points)AbenefitsconsultanthasapproachedWonderfulLifeaboutinsuringher

　　client’semployer-sponsoredGroupLongTermDisability(GLTD)coverage.TheGLTD

　　coveragehasa180-dayeliminationperiod.Thereare1,100employeeseligiblefor

　　GLTDcoveragewiththefollowingagedistribution:

　　AgeEmployees

　　18-24400

　　25-29300

　　30-34200

　　35-39-

　　40-44100

　　45-49-

　　50-54100

　　55-59-

　　60-64-

　　Total1,100

　　Youestimatethatthegroup’sincidenceratewillbe150%ofthemaleincidencerates

　　foundinTableGLD-6A.Thegrouphassuppliedpriorexperiencebasedon5,000life

　　yearsthatproducesanaggregateexperienceclaimrateof$0.98per$100ofmonthly

　　benefit.

　　WonderfulLife’sprofitrequirementonGLTDbusinessis5.0%ofpremium.Total

　　expensewillfollowWonderfulLife’sactualfinancialsforthemostrecentyearasfound

　　inTableGLD-3A.

　　(a)Calculatethegroup’scompositemanualmonthlygrosspremiumrateper$100of

　　monthlybenefit,assuminganaveragereserveof$54peropenclaimper$1of

　　benefit.Showyourwork.

　　(b)Calculatetheblendedmonthlygrosspremiumrateusingacredibilityformulaof

　　N/(N+5,000).Showyourwork.

　　(c)DiscussthedifferenttypesofreservesthatWonderfulLifewillholdforthis

　　coverage,andhowtheyaredetermined.

　　COURSE8:Fall2005-16-GOTONEXTPAGE

　　HealthandGroupLifeSegment

　　16.(8points)YouareagroupbenefitsconsultantatNOVADesignInc.Oneofyour

　　Canadianclientshasthefollowinggroupbenefitsplan:

　　BenefitsCoverageMonthly

　　premiumratesVolume

　　Lifeinsurance3×salary$0.32per

　　$1,000benefit$46,200,000

　　Long–term

　　disability

　　75%ofmonthly

　　salary

　　$1.05per$100

　　benefit$962,500

　　Medical

　　Nodeductible

　　100%coinsurance

　　forallservices

　　Single:$50

　　Family:$125

　　Single:120

　　Family:280

　　Dental

　　Nodeductible

　　90%coinsurance

　　forallservices

　　Single:$30

　　Family:$75

　　Single:120

　　Family:280

　　Theemployerpays100%ofthecostforallbenefits.

　　YourclientwantstoreviewitsplandesignandintroduceaHealthCareExpenseAccount

　　(HCEA).Thenewplandesignhastobecostneutralinthefirstyear.Yourclientexpects,

　　however,tosavesomecostovertimethroughmaintainingafixedHCEAcreditformula.

　　Youareproposingthefollowingdesign:

　　BenefitsCoverage

　　Lifeinsurance1×salary

　　Long–termdisability66.7%ofmonthlysalary

　　MedicalNodeductible

　　80%coinsuranceforallservices

　　DentalNocoverage

　　HCEAOffered

　　(a)(1point)DescribetheadvantagesofanHCEA.

　　(b)(2points)DescribehowtheHCEAcanbefundedandthedecisionsyourclient

　　mustmakeinsettingitup.

　　(c)(3points)CalculatethemoneyavailabletofundtheHCEApool,developacredit

　　formulatoallocatecreditstoemployees,andexplaintheprosandconsofyour

　　formula.Showyourwork.

　　(d)(2points)Calculateaggregatesavingsforyourclient’snextrenewal,assuming

　　medicalanddentalinflationof15%and7.5%respectively,andanaverage

　　increaseinsalariesof3%.Showyourwork.

　　COURSE8:Fall2005-17-GOTONEXTPAGE

　　HealthandGroupLifeSegment
　　高顿网校之经典总结：梦境总是现实的反面。——伟格利

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