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SOA真题November2003Course5（Part 3）——北美精算师

来源：高顿网校 2014-07-23

　　高顿网校赶赴各地的精算师们，大家请再拼搏最后这段时间了，拿下北美的精算师资格证哦！
　　11.

　　ASSERTION

　　In the U.S., small group carriers

　　can no longer require workers

　　compensation for all eligible

　　employers as a condition for

　　offering non-workers

　　compensation health benefits.

　　BECAUSE

　　REASON

　　In the U.S., the Health Insurance

　　Portability and Accountability Act

　　(HIPAA) requires small group

　　health carriers to offer all major

　　medical products on a guaranteed

　　acceptance and renewal basis.

　　12.

　　ASSERTION

　　In the U.S., underwriting a small

　　group has become less important

　　with the passage of the Health

　　Insurance Portability and

　　Accountability Act (HIPAA).

　　BECAUSE

　　REASON

　　In the U.S., HIPAA limits a

　　carrier’s ability to reject or rate-up

　　specific individuals within a small

　　group.

　　13.

　　ASSERTION

　　Under the individual level

　　premium cost method, the

　　actuarial liability cannot be less

　　than the plan termination

　　liability.

　　BECAUSE

　　REASON

　　Under the individual level

　　premium cost method, the implicit

　　supplemental liability for past

　　service benefits is not fully

　　amortized until the participant

　　reaches normal retirement age.

　　14.

　　ASSERTION

　　Under the entry age normal cost

　　method using assumed entry

　　ages, the actuarial liability for

　　each individual will be positive.

　　BECAUSE

　　REASON

　　Under the entry age normal cost

　　method using assumed entry ages,

　　the assumed entry age cannot

　　exceed the earliest plan eligibility

　　age.

　　COURSE 5: Fall 2003 - 11 - 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.

　　15.

　　ASSERTION

　　For dynamic life insurance

　　products, the calculation of

　　policy values is independent of

　　the partial withdrawal

　　assumptions.

　　BECAUSE

　　REASON

　　For dynamic life insurance

　　products, partial withdrawals of

　　the account values are often

　　allowed.

　　16.

　　ASSERTION

　　The U.S. DAC Tax results in a

　　company losing investment

　　income.

　　BECAUSE

　　REASON

　　The U.S. DAC Tax accelerates

　　taxes.

　　COURSE 5: Fall 2003 - 12 - GO ON TO NEXT PAGE

　　Morning Session
　　高顿网校之名人思想开放：每一个人都拥有生命，但并非每个人都懂得生命，乃至于珍惜生命。不了解生命的人，生命对他来说，是一种惩罚。

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