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历年【SOA精算师考试】真题November2004Course5（第5块）

来源：高顿网校 2014-08-04

　　历年【SOA精算师考试】真题November2004Course5（第5块），奉送给全国的精算师考生们，真心希望能帮助到所有的北美区的学员们！
　　21. Each of questions 21 through 26 consist 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.

　　(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.

　　21.

　　ASSERTION

　　In a medical plan using a

　　capitation model, the provider

　　assumes more insurance risk than

　　the insurer.

　　BECAUSE

　　REASON

　　In a capitation model, the insurer

　　subcontracts with a provider to

　　perform a defined range of

　　services in return for fee schedule

　　reimbursement for each service

　　rendered.

　　22.

　　ASSERTION

　　After an insurer reimburses a

　　policyholder for losses under a

　　homeowner policy, the insurer

　　can sue a third party for

　　negligence and keep the total

　　proceeds of the settlement.

　　BECAUSE

　　REASON

　　A subrogation clause exists in

　　every homeowner’s policy.

　　COURSE 5: Fall 2004 - 27 - GO ON TO NEXT PAGE

　　Morning Session

　　23.

　　ASSERTION

　　Regulation of reinsurance is

　　primarily concerned with

　　solvency.

　　BECAUSE

　　REASON

　　Reinsurance contracts are

　　generally subject to regulatory

　　approval.

　　24.

　　ASSERTION

　　Under a generational annuity

　　mortality table, the mortality rate

　　at age 50 for an individual

　　currently age 40 is less than that

　　for an individual currently age

　　30.

　　BECAUSE

　　REASON

　　A generational annuity mortality

　　table assumes mortality rates will

　　be subject to continuous

　　improvement.

　　25.

　　ASSERTION

　　In the early years of an old age

　　security system, pay-as-you-go

　　funding will be more expensive

　　than a fully funded plan.

　　BECAUSE

　　REASON

　　In a fully funded old age security

　　system, investment earnings help

　　pay for future benefits.

　　26.

　　ASSERTION

　　A group insurance retrospective

　　premium rider will create a due

　　and unpaid premium on the

　　financial statement if experience

　　is worse than expected.

　　BECAUSE

　　REASON

　　Under a group insurance

　　retrospective premium rider, a

　　policyholder agrees to remit an

　　additional premium based on a

　　monthly review of the previous

　　month’s paid claims.

　　COURSE 5: Fall 2004 - 28 - GO ON TO NEXT PAGE

　　Morning Session
　　高顿网校之名人心得：每一个人都应该有这样的信心：人所能负的责任，我必能负；人所不能负的责任，我亦能负。如此，你才能磨炼自己，求得更高的知识而进入更高的境界。——林肯

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