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往年SOA北美精算师真题荟萃—November2001Course8G（第二课）

来源：高顿网校 2014-08-25

　　往年SOA北美精算师真题荟萃—November2001Course8G（第二课）已给到大家，请各自安排复习时间哦，千金难买寸光阴。
　　6. (5 points) The Chief Operations Officer at Wonderful Life has returned from a seminar

　　where she attended a session on C-2, Insurance Risk. She is concerned about the impact

　　risk-based capital can have on growth. As the Chief Actuary at Wonderful Life you have

　　been asked to discuss these issues with the COO.

　　(a) Discuss characteristics used to determine the level of required surplus for

　　insurance risk

　　(i) for insurance companies in general, and

　　(ii) specifically for the four primary business divisions of Wonderful Life

　　(b) Discuss the relationships among growth, profit, and required surplus for C-2

　　Insurance Risk.

　　COURSE 8: November 2001 -6- GO ON TO NEXT PAGE

　　Health, Group Life & Managed Care

　　Morning Session

　　7. (4 points) As a consulting actuary, you have been hired by a managed care organization

　　to measure its medical effectiveness.

　　(a) Describe the challenges of using data to produce management information and

　　how they relate to Actuarial Standards of Practice.

　　(b) Describe your considerations for evaluating health plan performance

　　measurement criteria with regard to:

　　(i) data sources; and

　　(ii) measurement process.

　　8. (7 points) ABC Life insurance company plans to enter the long term care market. You

　　have been asked to develop pricing for a new long term care product.

　　(a) Identify general sources of data available to actuaries when pricing any new

　　product line and explain the cautions which should be taken in using them.

　　(b) Describe assumptions necessary to price the long term care product, and how the

　　Actuarial Standards of Practice will influence your development of those

　　assumptions.

　　(c) When developing financial reporting related to the long term care product,

　　(i) Describe the various financial statement liabilities you need to consider;

　　and

　　(ii) Describe the methods that maybe used to estimate each.

　　COURSE 8: November 2001 -7- STOP

　　Health, Group Life & Managed Care

　　Morning Session

　　9. (4 points) You have been asked to draft a report which details the various ways that

　　profit and growth may be measured at your company.

　　(a) Discuss methods of measuring growth.

　　(b) Discuss methods of measuring profit.

　　(c) Calculate the pre-tax underwriting gain required to achieve an 18% Return on

　　Equity given the following assumptions:

　　? capital + surplus = 20% of premiums

　　? reserves + capital + surplus = 30% of premium

　　? investments earn 5% after tax

　　? your company is in the 37% tax bracket

　　Show your work.

　　**END OF EXAMINATION**

　　MORNING SESSION

　　COURSE 8: November 2001 - 8 – GO ON TO NEXT PAGE

　　Health and Group Life Segment

　　Afternoon Session

　　**BEGINNING OF EXAMINATION**

　　AFTERNOON SESSION

　　Beginning With Question 10

　　10. (3 points) You have been asked to review claims operations at a health insurance carrier.

　　(a) Describe basic information requirements necessary for the proper handling of

　　health claims.

　　(b) Describe the health claim adjudication process.

　　11. (6 points) You are the consulting actuary for Smith Corporation. Due to increasing

　　claims costs, your client wants to review the current noncontributory dental program

　　offered to its employees which includes:

　　Benefits

　　Deductible $25 individual /$50 family

　　Coinsurance

　　? preventive 100%

　　? basic 100%

　　? major 80%

　　? orthodontics 60%

　　The Corporation is thinking of incorporating dental coverage into a flexible benefits

　　program currently under development.

　　(a) Outline design changes for the current free-standing dental plan that can be used

　　to reduce costs and explain how the changes would apply to the current plan.

　　(b) Describe cost and anti-selection issues in the design of a flexible benefits

　　program, including design features that could be used to alleviate these issues if

　　dental is included in the flexible benefit program.

　　COURSE 8: November 2001 - 9 – GO ON TO NEXT PAGE

　　Health and Group Life Segment

　　Afternoon Session
　　我本人是个乐观主义者，因为做别的貌似没什么用。——高顿网校做人道理

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