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SOA考试真题收藏Course8G北美精算师（Part3）

来源：高顿网校 2014-08-05

　　*7北美精算师资讯由高顿网校[*{7}*]发布：SOA考试真题收藏Course8G北美精算师（Part3）。
　　12. (4 points) You are an actuary responsible for developing your company’s financial

　　forecast models. Recently your company has improved access and quality of data. The

　　Chief Actuary is now encouraging you to incorporate additional situations in forecast

　　modeling.

　　(a) (3 points) Discuss basic principles for designing forecast models.

　　(b) (1 point) Outline ways in which forecast modeling can influence company

　　actions to help achieve business objectives.

　　COURSE 8: Fall 2005 - 13 - GO TO NEXT PAGE

　　Health and Group Life Segment

　　13. (8 points) You are the chief actuary for ABC Insurance Company. You are considering

　　purchasing an individual insurance block of business but are concerned about ABC’s

　　ability to administer such business.

　　(a) Discuss the steps an agent goes through in selling and servicing individual health

　　insurance policies.

　　(b) Describe considerations in plan design, pricing, and distribution channels.

　　(c) Describe the typical underwriting considerations for individual health insurance.

　　(d) Describe elements included in rating classification systems.

　　(e) Explain types of premium guarantees that could be offered.

　　COURSE 8: Fall 2005 - 14 - GO TO NEXT PAGE

　　Health and Group Life Segment

　　14. (4 points) You are the valuation actuary for TAT Health Insurance Company. You are

　　concerned about the increase in turn around time for claim payment and have been

　　working with the manager of the claims area to address this concern.

　　(a) Describe the basic purposes of claims and benefits administration.

　　(b) Discuss the common problems seen in claims and benefits administration and

　　their ramifications.

　　(c) Outline the basic principles of inventory management and mechanisms for

　　inventory control.

　　COURSE 8: Fall 2005 - 15 - GO TO NEXT PAGE

　　Health and Group Life Segment

　　Question 15 pertains to the Case Study

　　15. (5 points) A benefits consultant has approached Wonderful Life about insuring her

　　client’s employer-sponsored Group Long Term Disability (GLTD) coverage. The GLTD

　　coverage has a 180-day elimination period. There are 1,100 employees eligible for

　　GLTD coverage with the following age distribution:

　　Age Employees

　　18-24 400

　　25-29 300

　　30-34 200

　　35-39 -

　　40-44 100

　　45-49 -

　　50-54 100

　　55-59 -

　　60-64 -

　　Total 1,100

　　You estimate that the group’s incidence rate will be 150% of the male incidence rates

　　found in Table GLD-6A. The group has supplied prior experience based on 5,000 life

　　years that produces an aggregate experience claim rate of $0.98 per $100 of monthly

　　benefit.

　　Wonderful Life’s profit requirement on GLTD business is 5.0% of premium. Total

　　expense will follow Wonderful Life’s actual financials for the most recent year as found

　　in Table GLD-3A.

　　(a) Calculate the group’s composite manual monthly gross premium rate per $100 of

　　monthly benefit, assuming an average reserve of $54 per open claim per $1 of

　　benefit. Show your work.

　　(b) Calculate the blended monthly gross premium rate using a credibility formula of

　　N/(N+5,000). Show your work.

　　(c) Discuss the different types of reserves that Wonderful Life will hold for this

　　coverage, and how they are determined.

　　COURSE 8: Fall 2005 - 16 - GO TO NEXT PAGE

　　Health and Group Life Segment

　　16. (8 points) You are a group benefits consultant at NOVA Design Inc. One of your

　　Canadian clients has the following group benefits plan:

　　Benefits Coverage Monthly

　　premium rates Volume

　　Life insurance 3 × salary $0.32 per

　　$1,000 benefit $46,200,000

　　Long–term

　　disability

　　75% of monthly

　　salary

　　$1.05 per $100

　　benefit $962,500

　　Medical

　　No deductible

　　100% coinsurance

　　for all services

　　Single: $ 50

　　Family: $125

　　Single: 120

　　Family: 280

　　Dental

　　No deductible

　　90% coinsurance

　　for all services

　　Single: $30

　　Family: $75

　　Single: 120

　　Family: 280

　　The employer pays 100% of the cost for all benefits.

　　Your client wants to review its plan design and introduce a Health Care Expense Account

　　(HCEA). The new plan design has to be cost neutral in the first year. Your client expects,

　　however, to save some cost over time through maintaining a fixed HCEA credit formula.

　　You are proposing the following design:

　　Benefits Coverage

　　Life insurance 1 × salary

　　Long –term disability 66.7% of monthly salary

　　Medical No deductible

　　80% coinsurance for all services

　　Dental No coverage

　　HCEA Offered

　　(a) (1 point) Describe the advantages of an HCEA.

　　(b) (2 points) Describe how the HCEA can be funded and the decisions your client

　　must make in setting it up.

　　(c) (3 points) Calculate the money available to fund the HCEA pool, develop a credit

　　formula to allocate credits to employees, and explain the pros and cons of your

　　formula. Show your work.

　　(d) (2 points) Calculate aggregate savings for your client’s next renewal, assuming

　　medical and dental inflation of 15% and 7.5% respectively, and an average

　　increase in salaries of 3%. Show your work.

　　COURSE 8: Fall 2005 - 17 - GO TO NEXT PAGE

　　Health and Group Life Segment
　　高顿网校之名人语录：人类的希望像是一颗永恒的星，乌云掩不住它的光芒。特别是在今天，和平不是一个理想，一个梦，它是万人的愿望。

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