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北美精算师SOA真题Course5（六）前辈回忆2005年精选版

来源：高顿网校 2014-08-06

　　北美精算师SOA真题Course5（六）前辈回忆2005年精选版，该部分是由我们高顿网校小编们集中精力为您备齐的。
　　31.

　　ASSERTION

　　Individual risk assessment

　　techniques are no longer used to

　　underwrite small group medical

　　insurance plans.

　　BECAUSE

　　REASON

　　HIPAA does not allow a carrier to

　　single out individual employees

　　for special rating treatment due to

　　their health.

　　COURSE 5: Fall 2005 - 30 - GO ON TO NEXT PAGE

　　Morning Session

　　32.

　　ASSERTION

　　Nonmedical underwriting is

　　typically used for underwriting

　　large groups of life insureds.

　　BECAUSE

　　REASON

　　Nonmedical underwriting usually

　　only requires that the insureds are

　　actively working with no

　　significant medical absences.

　　33.

　　ASSERTION

　　In collecting medical claim data

　　to develop manual rates, an

　　experience period of at least

　　twelve months is needed.

　　BECAUSE

　　REASON

　　November and December often

　　have fewer incurred medical

　　claims than average.

　　34.

　　ASSERTION

　　In the U.S., with respect to large

　　group health insurance, gender

　　cannot be used as a rating

　　characteristic.

　　BECAUSE

　　REASON

　　The U.S. government restricts the

　　use of gender-based employee

　　contribution rates for large groups.

　　35.

　　ASSERTION

　　In most countries, tax reserves

　　are identical to solvency reserves.

　　BECAUSE

　　REASON

　　Solvency reserves produce the

　　smallest tax deductions for

　　insurance companies.

　　COURSE 5: Fall 2005 - 31 - GO ON TO NEXT PAGE

　　Morning Session

　　36-40. Each of questions 36 through 40 consists 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).

　　36. X. Cash basis accounting I. Method usually used to determine

　　non-business income.

　　Y. Accrual basis accounting II. Produces more accurate

　　measurement of income over an

　　accounting period.

　　III. Cost of capital assets amortized over

　　their useful life.

　　37. X. No-fault system I. Subrogation of auto insurance claims

　　Y. Tort system II. Significantly higher personal injury

　　protection premium

　　III. Workers compensation

　　COURSE 5: Fall 2005 - 32 - STOP

　　Morning Session

　　38. X. Waiver of premium benefit for

　　group life insurance.

　　I. Insured receives monthly installment

　　benefit.

　　Y. Total and permanent disability

　　benefit for group life insurance.

　　II. Insured must remain continuously

　　disabled until death.

　　III. Insured is typically paid a reduced

　　death benefit at time of death.

　　39. X. Multiple Employer Welfare

　　Association (MEWA)

　　I. Collectively bargained

　　Y. Purchasing alliance II. Self-insured

　　III. Typically small average employer

　　size (50)
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