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北美精算师考试SOA——真题精选Course8G（二）

来源：高顿网校 2014-07-28

　　所有的高顿网校赴考者们，10月底的考试请尽全力去考，北美精算师考试SOA——真题精选Course8G（二），该章节请背熟和巩固。
　　tachment Point 90% of the expected annual

　　attachment point

　　Actual Loss Information

　　Employee Months 3,000

　　Total Losses $1,635,000

　　Covered Losses Exceeding $100,000

　　Person A $300,000

　　Person B $125,000

　　Person C $250,000

　　You are considering two specific stop loss deductible scenarios:

　　i. $100,000 (current plan)

　　ii. $250,000 (alternative plan)

　　(a) Explain the process for setting the expected losses and aggregate attachment

　　factor.

　　(b) Describe aggregate stop loss underwriting considerations from the insurer’s point

　　of view.

　　(c) Calculate the total stop loss reimbursement for the most recent plan year under

　　each specific stop loss deductible scenario. Show your work.

　　COURSE 8: Fall 2005 -22- STOP

　　Health, Group Life & Managed Care

　　22. (4 points) You are the pricing actuary of ONLY Life Insurance Company. The company

　　is looking into entering the Individual DI market. The V.P. of Marketing has come to

　　you with the following proposed plan:

　　? Target Market Association of Physicians

　　? Underwriting Non-Cancelable

　　? Definition of

　　Disability

　　Pure Own Occupation

　　? Premium Rate

　　Structure

　　Unisex, varying by age

　　? Monthly Benefit Greater of: average monthly benefit over prior 12 months; or

　　greatest average monthly earnings for any 2 successive years 世纪考试网版权所有

　　over the prior 5 years

　　? Inflation COLA riders included with a minimum annual increase of

　　6% per year

　　? Maximum Benefit Unlimited

　　? Elimination Period 1 month

　　(a) Discuss each element of the proposed plan design with respect to the company’s

　　exposure to risk and recommend changes to limit the company’s risk.

　　(b) Discuss various factors that should be considered to ensure profitability of the

　　product in today’s environment in terms of pricing, underwriting, and management.
　　高顿网校之考试励志：青年对于爱情要提得起，要放得下，才是一个智者。——西塞罗

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