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SOA北美精算师的真题汇总November2004Course5（Part四）

来源：高顿网校 2014-08-04

　　SOA北美精算师的真题汇总November2004Course5（Part四），该部分资料室由高顿网校小编[*{7}*]编辑的哦。
　　15. For an insured with group long-term disability (LTD) benefits, you are given the

　　following:

　　Pre-disability monthly earnings 5,000

　　Formula LTD benefit 60% of pre-disability earnings

　　Work earnings during disability 1,500 per month

　　Other income None

　　A = Reduced LTD monthly benefit based on the proportionate loss formula

　　B = Reduced LTD monthly benefit based on the 50% offset benefit

　　Calculate A – B.

　　(A) –2,150

　　(B) –150

　　(C) –120

　　(D) 350

　　(E) 1,850

　　COURSE 5: Fall 2004 - 21 - GO ON TO NEXT PAGE

　　Morning Session

　　USE THIS PAGE FOR YOUR SCRATCH WORK

　　COURSE 5: Fall 2004 - 22 - GO ON TO NEXT PAGE

　　Morning Session

　　16. Company XYZ is re-pricing a universal life insurance product. You are given the

　　following:

　　Year 2003:

　　Profit margin: 3.5%

　　Premium margin: 75%

　　Annual sales: 20,000,000

　　Year 2004:

　　Price decrease: 20%

　　Projected annual sales: 22,500,000

　　Calculate the 2004 profit margin.

　　(A) –16.50%

　　(B) –14.65%

　　(C) –14.38%

　　(D) 2.80%

　　(E) 15.42%

　　COURSE 5: Fall 2004 - 23 - GO ON TO NEXT PAGE

　　Morning Session

　　USE THIS PAGE FOR YOUR SCRATCH WORK

　　COURSE 5: Fall 2004 - 24 - GO ON TO NEXT PAGE

　　Morning Session

　　17. Each of questions 17 through 20 consist of two lists. In the list at the left are two items,

　　lettered X and Y. In the list at the right are three items, numbered I, II, and III. ONE of

　　the lettered items is related in some way to EXACTLY TWO of the numbered items.

　　Indicate the related items using the following answer code:

　　Lettered Item

　　Is Related to Numbered Items

　　(A)

　　X

　　I and II only

　　(B)

　　X

　　II and III only

　　(C)

　　Y

　　I and II only

　　(D)

　　Y

　　I and III only

　　(E)

　　The correct answer is not given by (A), (B), (C) or (D).

　　17. X. Generally accepted accounting

　　principles (GAAP)

　　I. Use of Interest Maintenance Reserve

　　Y. Statutory accounting II. Allows for capitalization of deferred

　　acquisition costs

　　III. Considers agent balances as

　　nonadmitted assets

　　18. X. Reinsurance reserves held by

　　ceding company

　　I. Coinsurance

　　Y. Reinsurance reserves held by

　　reinsurer

　　II. Modified coinsurance

　　III. Coinsurance with funds withheld

　　COURSE 5: Fall 2004 - 25 - GO ON TO NEXT PAGE

　　Morning Session

　　19. X. Defined contribution plan I. The benefit level is directly affected

　　by investment performance

　　Y. Defined benefit plan II. The benefits for employees who

　　change jobs frequently will likely be

　　inadequate

　　III. There is an opportunity for postretirement

　　benefit increases

　　20. X. Policy year data I. Most common method for compiling

　　actuarial data

　　Y. Accident year data II. Allows the pricing actuary to match

　　premiums and losses from one

　　accounting basis

　　III. Claims data almost always available

　　in this format

　　COURSE 5: Fall 2004 - 26 - GO ON TO NEXT PAGE

　　Morning Session
　　高顿网校之名人心语：人生须知负责任的苦处，才能知道尽责任的乐趣。——梁启超

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