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往届SOA北美精算师真题—November2001Course5（五）

来源：高顿网校 2014-08-25

　　高顿网校赶赴全国各地的精算师亲们，大家请再拼搏最后这段时间了（2个多月），拿下这张颇具含金量的北美精算师资格证哦！往届SOA北美精算师真题—November2001Course5（五），请接着看吧。
　　23.

　　ASSERTION

　　In the U.S., individual

　　underwriting is used for small

　　groups.

　　BECAUSE

　　REASON

　　In the U.S., the use of individual

　　underwriting for small groups

　　allows the carrier to decline

　　individuals who would pose an

　　unacceptable health risk.

　　COURSE 5: November 2001 - 20 - GO ON TO NEXT PAGE

　　Morning Session

　　Each of questions 24 through 25 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).

　　24. X. Balance Sheet treatment of policy

　　loans.

　　I. Policy loans shown as a reduction in

　　liabilities.

　　Y. Income Statement treatment of

　　policy loans.

　　II. Policy loans shown as an asset.

　　III. Policy loan interest shown as a

　　reduction in benefits.

　　25. X. The 1960 Basic Group Mortality

　　Table

　　I. Useful in estimating annual

　　improvements in mortality

　　Y. Population Statistics II. Principally used as a tabular base

　　when comparisons of actual to

　　expected experience are made

　　III. Useful in developing rates for the

　　very young and very old

　　COURSE 5: November 2001 - 21 - GO ON TO NEXT PAGE

　　Morning Session

　　26. Rank in ascending order (smallest to largest), the assumed mortality rate in the year of

　　annuitization for the following, using typical mortality tables for a given person:

　　I. Individual annuitant

　　II. Group annuitant

　　III. Structured settlement annuitant

　　(A) IIIIII

　　(B) IIIIII

　　(C) IIIIII

　　(D) IIIIII

　　(E) IIIIII

　　COURSE 5: November 2001 - 22 - GO ON TO NEXT PAGE

　　Morning Session

　　Each of questions 27 through 35 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.

　　27.

　　ASSERTION

　　Nonexistent returns on

　　investment are common when

　　profits are based upon

　　stockholder earnings.

　　BECAUSE

　　REASON

　　Required capital has no bearing on

　　stockholder earnings except for

　　investment income earned on the

　　assets backing required capital.

　　28.

　　ASSERTION

　　Under most group life insurance

　　policies, if the group coverage

　　terminates, insureds can convert

　　to an individual life insurance

　　policy only if they provide

　　evidence of insurability.

　　BECAUSE

　　REASON

　　Any additional claim costs

　　resulting from a conversion from a

　　group life insurance policy to an

　　individual life insurance policy are

　　usually reflected in the standard

　　rates for the individual policy.

　　COURSE 5: November 2001 - 23 - GO ON TO NEXT PAGE

　　Morning Session

　　29.

　　ASSERTION

　　Given an individual with five

　　years of service, the entry-age

　　normal cost method will produce

　　a smaller initial actuarial liability

　　than the traditional accrued

　　benefit cost method.

　　BECAUSE

　　REASON

　　Under the entry-age normal cost

　　method, the use of average entry

　　ages will produce a supplemental

　　liability for individuals entering

　　the plan after its establishment at

　　ages above the assumed entry age.

　　30.

　　ASSERTION

　　In valuing a defined benefit

　　pension plan, if benefits are

　　related to compensation, the

　　allowance for inflation is

　　typically ignored.

　　BECAUSE

　　REASON

　　In valuing a defined benefit

　　pension plan, the inflation

　　assumption used in the interest

　　assumption is offset by the

　　inflation assumption used in the

　　salary scale.
　　要获得辉煌的成就，必须坚持「我也可以这样做」的信念，如果不能勇往直前，绝对不会达到胜利成功的境界。——高顿网校金玉良言

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