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北美精算师考试03年11月真题放送November2003Course8G（最后一课）

来源：高顿网校 2014-08-19

　　北美精算师考试03年11月真题放送November2003Course8G（最后一课），这是北美精算师很重要的往年考点，请大家时刻拿出来背诵和牢记。
　　19. Continued

　　Pricing Parameters

　　Test Actual

　　Total mailings 4,000 50,000

　　Cost per mailing $0.75 $1.00

　　Response rate (from mailings) 2.25% 1.75%

　　Not-taken rate (from those who responded) 10.00% 15.00%

　　Administration expenses

　　% premium 6.0% 7.5%

　　per policy per quarter $13.00 $16.50

　　Overhead as % premium 0.0% 0.0%

　　Risk discount rates tested: 10% per year

　　Test Actual

　　Average Quarterly Premium $85.20 $79.00

　　Average age (years) 39.6 36.8

　　Commissions, % of premium

　　First year 35% 45%

　　Renewal 5% 7%

　　Lapse rates by policy year

　　1 0.35 0.45

　　2 0.20 0.25

　　3 0.10 0.20

　　4 0.08 0.10

　　5+ 0.03 0.05

　　COURSE 8: Fall 2003 -15- GO TO NEXT PAGE

　　Health and Group Life Segment

　　Afternoon Session

　　20. (5 points) You are an underwriter for a stop loss carrier. You have received a request for

　　a quote for a 12/15 plan with a $50,000 specific deductible, 125% aggregate attachment

　　point and 95% minimum attachment point.

　　You have been provided the following data:

　　2001 2002

　　Expected Losses PEPM $380.00 $400.00

　　Expected Certificate Months 6,000 6,000

　　Actual Certificate Months 5,900 5,600

　　Total Losses $2,800,000 $3,500,000

　　Total Covered Losses Exceeding Specific Stop Loss

　　Incurred Dates 2001 2002

　　a) Person 1 1/1/2001-1/20/2001 $60,000 $0

　　b) Person 2 9/1/2001-10/15/2001 $80,000 $0

　　c) Person 3 12/1/2002-open $0 $100,000

　　d) Person 4 12/1/2001-12/31/2001;

　　1/1/2002-2/15/2002

　　$150,000 $500,000

　　(a) Calculate stop loss claims for 2001 and 2002 for the requested plan. Show your

　　work.

　　(b) Calculate stop loss claims for 2001 and 2002 using a $100,000 aggregating

　　specific stop loss deductible and no aggregate stop loss. Show your work.

　　(c) Explain the rationale for use of aggregating specific stop loss deductibles.

　　(d) Evaluate the impact of each of the large claims above in developing a quote for

　　2003.

　　COURSE 8: Fall 2003 -16- STOP

　　Health, Group Life & Managed Care

　　Morning Session

　　21. (6 points) You are a cons ultant representing RGS Industries, a large employer that is

　　implementing a Group Long-Term Disability (GLTD) benefit for its employees. RGS

　　Industries currently self- insures its medical benefits. The firm’s management is

　　considering the possibility of self-insuring the GLTD benefit.

　　(a) (2 points) Explain benefit provisions used to control costs in a GLTD plan.

　　(b) (1 point) List pros and cons of self- insuring the plan.

　　(c) (2 points) Describe the types of reinsurance that are available for a GLTD plan

　　and considerations in using reinsurance for a self- funded plan.

　　(d) (1 point) Review FAS 112 implications when implementing a GLTD plan.
　　工作上的信用是*4的财富。没有信用积累的青年，非成为失败者不可。——高顿网校唯美语句

扫一扫微信，关注精算师*7考试动态

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