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北美精算师2001年SOA11月Course5（第二课）

来源：高顿网校 2014-08-25

　　北美精算师2001年SOA11月Course5（第二课），请都看仔细哦，别煞费我们高顿网校的苦心哦。
　　7. (5 points) Describe key issues that should be addressed by an insurance company to

　　establish the need for a new group insurance product.

　　**END OF WRITTEN ANSWER SECTION**

　　COURSE 5: November 2001 - 6 - GO ON TO NEXT PAGE

　　Morning Session

　　COURSE 5

　　MORNING SESSION

　　APPLICATION OF BASIC ACTUARIAL PRINCIPLES

　　SECTION B-MULTIPLE CHOICE

　　COURSE 5: November 2001 - 7 - GO ON TO NEXT PAGE

　　Morning Session

　　MULTIPLE CHOICE SECTION

　　Each of questions 1 through 2 consists of an assertion in the left-hand column and a

　　reason in the right-hand column. Code your answer to each question by blackening

　　space:

　　(A) If both the assertion and the reason are true statements, and the reason is a correct

　　explanation of the assertion.

　　(B) If both the assertion and the reason are true statements, but the reason is NOT a

　　correct explanation of the assertion.

　　(C) If the assertion is a true statement, but the reason is a false statement.

　　(D) If the assertion is a false statement, but the reason is a true statement.

　　(E) If both the assertion and the reason are false statements.

　　1.

　　ASSERTION

　　With respect to a large group

　　health plan, net premiums can be

　　a larger percentage of gross

　　premiums than is the case for

　　equivalent individual health

　　insurance.

　　BECAUSE

　　REASON

　　State regulation does not impact

　　large group health insurance

　　pricing as heavily as it does

　　individual health insurance

　　pricing.

　　2.

　　ASSERTION

　　In Canada, it is expected that

　　cost-sharing mechanisms will

　　become more attractive to

　　provincial health care plans.

　　BECAUSE

　　REASON

　　In Canada, provincial health plans

　　with cost-sharing mechanisms will

　　only be penalized to the amount of

　　the federal health transfer they

　　would otherwise receive.

　　COURSE 5: November 2001 - 8 - GO ON TO NEXT PAGE

　　Morning Session

　　Each of questions 3 through 6 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).

　　3. X. Group Term Life Insurance in the

　　U.S.

　　I. Can result in imputed taxable

　　income

　　Y. Group Accidental Death and

　　Dismemberment Insurance

　　(AD&D) in the U.S.

　　II. Optional amounts are available

　　without medical evidence

　　III. Usually convertible to individual

　　coverage

　　4. X. Short Term Disability (STD) in the

　　U.S.

　　I. Benefits are integrated with Social

　　Security benefits

　　Y. Long Term Disability (LTD) in the

　　U.S.

　　II. Benefits are paid weekly

　　III. Benefit amount may be reduced to

　　coordinate with state disability

　　insurance (SDI) programs

　　COURSE 5: November 2001 - 9 - GO ON TO NEXT PAGE

　　Morning Session

　　5. X. Medicaid I. The beneficiaries pay fixed fees for

　　specified services

　　Y. Medicare II. The program pays a percentage of

　　allowable charges

　　III. No deductible
　　享受成果，是人生一大乐事。事前花的心血愈多，下的功夫愈大，事后获得的成果自然愈好享受起来必然也就愈快乐。——高顿网校做人原则

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