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北美精算师历届SOA真题汇聚November2001Course5（Part3）

来源：高顿网校 2014-08-25

　　我们在8月25日下午给大家罗列了北美精算师历届SOA真题汇聚November2001Course5（Part3）。
　　6. X. Indemnity plan cancer policy I. Specified benefits for each of the

　　various types of expenses

　　Y. Scheduled plan cancer policy II. Paid regardless of the actual hospital

　　charges

　　III. Often no dollar limit on total

　　benefits

　　COURSE 5: November 2001 - 10 - GO ON TO NEXT PAGE

　　Morning Session

　　7. Rank in ascending order (shortest to longest) the elimination periods usually found in the

　　following types of individual health insurance policies:

　　I. Overhead expense benefits

　　II. Disability buy-out benefits

　　III. Presumptive disability benefits

　　(A) IIIIII

　　(B) IIIIII

　　(C) IIIIII

　　(D) IIIIII

　　(E) IIIIII

　　COURSE 5: November 2001 - 11 - GO ON TO NEXT PAGE

　　Morning Session

　　Each of questions 8 through 9 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.

　　8.

　　ASSERTION

　　The use of a coinsurance clause

　　in a homeowners insurance

　　policy results in premiums that

　　are inequitable among insureds.

　　BECAUSE

　　REASON

　　In a homeowners insurance policy

　　with a coinsurance clause, persons

　　who purchase small amounts of

　　insurance would bring a

　　disproportionate amount of risk to

　　the pool if losses were skewed to

　　smaller claims.

　　9.

　　ASSERTION

　　A cash balance plan is a defined

　　contribution pension plan.

　　BECAUSE

　　REASON

　　In a cash balance plan, the benefit

　　is expressed in terms of an account

　　balance.

　　COURSE 5: November 2001 - 12 - GO ON TO NEXT PAGE

　　Morning Session

　　Each of questions 10 through 11 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).

　　10. X. Defined Contribution Pension Plan I. Usually favors employees hired at

　　younger ages

　　Y. Defined Benefit Pension Plan II. Contributions higher for female

　　employees

　　III. Employer assumes investment risk

　　11. X. GAAP financials I. Match incidence of revenues and

　　expenses

　　Y. Statutory financials II. Value insurer on a going concern

　　basis

　　III. More conservative standards for

　　liability valuations

　　COURSE 5: November 2001 - 13 - GO ON TO NEXT PAGE

　　Morning Session

　　Each of questions 12 through 13 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.

　　12.

　　ASSERTION

　　Most life insurance companies

　　adjust prices when they are out of

　　line with the competition.

　　BECAUSE

　　REASON

　　Most buyers of life insurance shop

　　around and compare prices.

　　13.

　　ASSERTION

　　Skim pricing is rare for life

　　insurance products.

　　BECAUSE

　　REASON

　　Skim pricing is usually done with

　　products that are in short supply

　　and high demand.

　　COURSE 5: November 2001 - 14 - GO ON TO NEXT PAGE

　　Morning Session

　　14. Rank in ascending order (smallest to largest) the following products according to how

　　much investment risk is transferred to the policyholder:

　　I. Universal life insurance

　　II. Variable universal life insurance

　　III. Term insurance

　　(A) IIIIII

　　(B) IIIIII

　　(C) IIIIII

　　(D) IIIIII

　　(E) IIIIII

　　COURSE 5: November 2001 - 15 - GO ON TO NEXT PAGE

　　Morning Session
　　成功就像一座平衡的秤，一边是努力，一边是快乐；付出的多，收获的也多。——高顿网校做人道理

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