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SOA真题北美精算师资格考试Course5November2001（六）

来源：高顿网校 2014-08-25

　　以下则是SOA真题北美精算师资格考试Course5November2001（六），请尽快吸收，因为这只是基础知识的其中一部分。
　　31.

　　ASSERTION

　　Disability buy-out insurance is

　　made available where a formal

　　buy/sell agreement is not in

　　place.

　　BECAUSE

　　REASON

　　Buy/sell agreements cover only

　　the contingency of death.

　　COURSE 5: November 2001 - 24 - 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.

　　32.

　　ASSERTION

　　A defined benefit cost method

　　with relatively high future normal

　　costs will have a low actuarial

　　liability

　　BECAUSE

　　REASON

　　The present value of expected

　　pension benefits varies by defined

　　benefit cost method

　　33.

　　ASSERTION

　　The amount of DAC tax is

　　calculated as a percent of expense

　　related to sales.

　　BECAUSE

　　REASON

　　The DAC tax is essentially a

　　requirement that insurers delay the

　　recognition of certain expenses

　　when calculating current taxable

　　income.

　　COURSE 5: November 2001 - 25 - GO ON TO NEXT PAGE

　　Morning Session

　　34.

　　ASSERTION

　　Policy reserves are generally less

　　significant for group health

　　insurance policies than for

　　individual health insurance

　　policies.

　　BECAUSE

　　REASON

　　In many alternative funding

　　methods for group health

　　insurance policies, the

　　policyholder participates in the

　　insurance risk to some degree.

　　35.

　　ASSERTION

　　With respect to group medical

　　costs, industries that have high

　　turnover tend to have above

　　average medical costs.

　　BECAUSE

　　REASON

　　Groups that have the same

　　demographic characteristics

　　generally have similar medical

　　costs.

　　COURSE 5: November 2001 - 26 - GO ON TO NEXT PAGE

　　Morning Session

　　Each of questions 36 through 40 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).

　　36. X. Actuarial loss for retirement

　　benefits

　　I. Fewer participants die than expected

　　Y. Actuarial gain for retirement

　　benefits

　　II. Fewer withdrawals than expected

　　III. Slower salary increases than

　　expected

　　37. X. Spread gain cost method I. Gains and losses affect the future

　　normal costs

　　Y. Immediate gain cost method II. Entry age normal cost method

　　III. Gains and losses amortized by a

　　supplemental cost

　　COURSE 5: November 2001 - 27 - STOP

　　Morning Session

　　38. X. Factor method for determining

　　claim reserves

　　I. Long payout periods

　　Y. Average size claim method for

　　determining claim reserves

　　II. Appropriate for group life insurance

　　III. Incurred but not reported (IBNR)

　　reserve needed
　　乐观，是达到成功之路的信心；不怀希望，不论什么事情都做不出来。——高顿网校名人感触

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