全国所有的北门精算师同学们，大家请把目光转移至高顿网校北美精算师考试频道哦。下面是真题Course5（第二部分）——SOA精算师考试
　　6.(7points)
　　(a)Explainwhyitisdifficulttoapplythegeneralprinciplesofincometaxationtothe
　　lifeinsuranceindustryanditsproducts.
　　(b)DescribethepolicyholdertaxationoflifeproductsinCanadaandtheU.S.
　　7.(4points)
　　(a)Describethetypicalapproachesforprovidingold-agefinancialsecurity.
　　(b)Commentonthedifferencesbetweenpay-as-you-goandfundedfinancingof
　　publicplans.
　　8.(5points)
　　(a)Describetheproductfeaturesofaccumulationannuities.
　　(b)Describethetypesofincomeannuities.
 
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　　COURSE5
　　MORNINGSESSION
　　APPLICATIONOFBASICACTUARIAL
　　PRINCIPLES
　　SECTIONB-MULTIPLECHOICE
 
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　　1-6.Eachofquestions1through6consistsoftwolists.Inthelistattheleftaretwoitems,
　　letteredXandY.Inthelistattherightarethreeitems,numberedI,IIandIII.ONEof
　　thelettereditemsisrelatedinsomewaytoEXACTLYTWOofthenumbereditems.
　　Indicatetherelateditemsusingthefollowinganswercode:
　　LetteredItem
　　IsRelatedtoNumberedItems
　　(A)
　　X
　　IandIIonly
　　(B)
　　X
　　IIandIIIonly
　　(C)
　　Y
　　IandIIonly
　　(D)
　　Y
　　IandIIIonly
　　(E)
　　Thecorrectanswerisnotgivenby(A),(B),(C)or(D).
　　1.X.FlexiblePremiumUniversalLifeI.Lowercapitalrequirements
　　Y.VariableUniversalLifeII.Competitionhasamajoreffecton
　　thecreditedinterestrate
　　III.Pricedwithalowerprofitmargin
　　2.X.MarkovStateTransitionI.Designedforadata-poor
　　environment.
　　Y.RationalArtificialIntelligenceII.Utilizesbenchmarkdatabasefuture
　　costsdevelopedthroughaprocessof
　　triangulation.
　　III.Identifiespatternsofunderlyingdata
　　tofacilitatethepredictionoffuture
　　costs.
 
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　　3.X.Medicare–HospitalInsuranceI.Deductibleadjustedannually
　　Y.Medicare–SupplementaryMedical
　　Insurance
　　II.Coinsurance
　　III.PayrollTax
　　4.X.HMOI.Coversalocalservicearea
　　Y.PPOII.Doesnottaketheinsurancerisk
　　III.Performsutilizationreviews
　　5.X.PreferredrisksI.Higherplacementrate
　　Y.ResidualrisksII.Higherlapserates
　　III.Higheraveragepolicysize
　　6.X.NormalcostI.Pastservicebenefits
　　Y.SupplementalcostII.Futureservicebenefits
　　III.Retroactiveplanamendments
 
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　　7.Tolimitanti-selectionongroupsupplementallifeplans,insurersuseallofthe
　　followingEXCEPT:
　　(A)Limitedcoverageamountswithoutevidenceofinsurability
　　(B)Suicideexclusion
　　(C)StatementofGoodHealthrequiredforcertainamounts
　　(D)Minimumparticipationrequirementsthatarehigherthanforbasicgrouptermlife
　　(E)Step-ratedpremiumstructure
　　8.InCanada,theappointedactuaryisrequiredtofileareportwiththeannualstatements
　　thatprovidestheregulatoryauthoritieswithallofthefollowingEXCEPT:
　　(A)Adescriptionofanyapproximationsused
　　(B)Asignedstatementthataffirmscompliancewiththegenerallyaccepted
　　accountingprinciplespublishedbytheCanadianInstituteofChartered
　　Accountants(CICA)
　　(C)Anychangesintheassumptionsfromthepriorannualfilingandtheeffectthereof
　　(D)Acompletejustificationforeachassumption
　　(E)Asignedcopyoftheopinionoftheappointedactuary
 
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　　高顿网校之为人处世：一个尝试错误的人生不但比无所事事的人生更荣耀，并且有意义。 —— 萧伯纳