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北美精算师考试SOA真题Course5（七）——2004年11月份

来源：高顿网校 2014-08-04

　　北美精算师考试SOA真题Course5（七）——2004年11月份，全心全意看完吧，为你自己的精算师成绩着想吧。
　　32. For an automobile insurance policy, Other Than Collision (OTC) premiums usually vary

　　for all of the following EXCEPT:

　　(A) Age of policyholder

　　(B) Territory

　　(D) Vehicle value

　　(E) Cost to repair vehicle

　　33. Group supplemental life plans differ from basic group life coverage in all of the

　　following ways EXCEPT:

　　(A) Minimum participation limits are more liberal

　　(B) Evidence of insurability is more stringent

　　(D) If a disability provision is included, it is usually limited to waiver of premium

　　(E) Contributions are generally subsidized by the employer

　　COURSE 5: Fall 2004 - 39 - GO ON TO NEXT PAGE

　　Morning Session

　　34. In the US, a policyholder can, under certain conditions, perform all of the following

　　without incurring taxable income EXCEPT:

　　(A) Exchange a life insurance policy for a life insurance policy

　　(B) Exchange a life insurance policy for an annuity policy

　　(D) Exchange an annuity policy for a life insurance policy

　　(E) Take a policy loan against a life insurance policy

　　35. Regarding the Health Insurance Portability and Accountability Act (HIPAA), all of the

　　following are true EXCEPT:

　　(A) Restricts post-issue underwriting during claims adjudication process

　　(B) Defines a small employer group

　　industry/occupation

　　(D) Requires HMOs to offer all major medical and comprehensive health insurance

　　products on a guaranteed acceptance and renewal basis

　　(E) Restricts application of pre-existing condition limitation or exclusions for

　　individual employees who have had continuous coverage for more than 12

　　months

　　COURSE 5: Fall 2004 - 40 - GO ON TO NEXT PAGE

　　Morning Session

　　36. Under the traditional unit credit actuarial cost method, all of the following affect future

　　normal costs EXCEPT:

　　(A) aging of active employees

　　(B) actual withdrawal experience

　　(D) actual number of new employees

　　(E) actual investment performance

　　37. In the Accumulation Reserve method used for universal life insurance, all of the

　　following can be used to amortize acquisition expenses EXCEPT:

　　(A) Income from surrender charges

　　(B) Premiums

　　(D) Cost of insurance margins

　　(E) Expense margins

　　COURSE 5: Fall 2004 - 41 - GO ON TO NEXT PAGE

　　Morning Session

　　USE THIS PAGE FOR YOUR SCRATCH WORK

　　COURSE 5: Fall 2004 - 42 - GO ON TO NEXT PAGE

　　Morning Session

　　38. Each of questions 38 through 40 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)

　　I and II only

　　(B)

　　II and III only

　　(C)

　　I and II only

　　(D)

　　I and III only

　　(E)

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

　　38. X. Anti-selection I. Function of the inherent degree of

　　fluctuation in the benefit and in the

　　volume of business

　　Y. Claims volatility II. Addressed through the initial plan

　　design

　　III. Limited by provisions restricting

　　payment of claims

　　COURSE 5: Fall 2004 - 43 - STOP

　　Morning Session
　　高顿网校之生活感悟：每个人都被生命询问，而他只有用自己的生命才能回答此问题；只有以“负责”来答复生命。因此，“能够负责”是人类存在最重要的本质。——维克多·费兰克

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