高顿网校的网友们，有在这里北美精算师考试频道路过的吗？走过路过千万别错过哦。下面是精挑细选出来的北美精算师考试SOA——真题系列Course5（第三部分）
　　9-13.Eachofquestions9through13consistofanassertionintheleft-handcolumnanda
　　reasonintheright-handcolumn.Codeyouranswertoeachquestionbyblackening
　　space:
　　(A)Ifboththeassertionandthereasonaretruestatements,andthereasonisacorrect
　　explanationoftheassertion.
　　(B)Ifboththeassertionandthereasonaretruestatements,butthereasonisNOTa
　　correctexplanationoftheassertion.
　　(C)Iftheassertionisatruestatement,butthereasonisafalsestatement.
　　(D)Iftheassertionisafalsestatement,butthereasonisatruestatement.
　　(E)Ifboththeassertionandthereasonarefalsestatements.
　　9.
　　ASSERTION
　　TheCanadianfederal
　　governmentcannotdetera
　　provincefromallowinguserfees
　　andextrabillinginitsprovincial
　　healthcareplan.
　　BECAUSE
　　REASON
　　UndertheCanadianConstitution,
　　mattersrelatingtohealthfall
　　underprovincialjurisdiction.
　　10.
　　ASSERTION
　　Personal-producinggeneral
　　agentsreceivehigher
　　commissionsthanotheragents.
　　BECAUSE
　　REASON
　　Unlikeothergeneralagents,
　　personal-producinggeneralagents
　　havenoagentsreportingtothem.
 
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　　MorningSession
　　11.
　　ASSERTION
　　IntheU.S.,theusualprocedureis
　　tofilepolicyformsinthestateof
　　domicilefirst.
　　BECAUSE
　　REASON
　　Manystatesrequirepriorapproval
　　ofpolicyformsfromthestateof
　　domicile.
　　12.
　　ASSERTION
　　Forindividualdisabilitybenefits,
　　undertherehabilitationclause,an
　　insuredmaynothavetocontinue
　　underthecareofaphysicianto
　　qualifyforbenefits.
　　BECAUSE
　　REASON
　　Forindividualdisabilitybenefits,
　　therehabilitationclauseprovides
　　thatinsuredswhojoinan
　　approvedprogramwillbe
　　consideredtotallydisabled.
　　13.
　　ASSERTION
　　Foraguaranteedinsurability
　　optiononanindividualdisability
　　policy,anoptionpassedonone
　　optiondatemaybepickedupat
　　thenextoptiondate.
　　BECAUSE
　　REASON
　　Theguaranteedinsurabilityoption
　　onanindividualdisabilitypolicy
　　doesnotrequirecompletionof
　　medicalunderwritingatagiven
　　optiondateinorderfortheinsured
　　topurchasetheincreasedcoverage
　　amount.
 
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　　14.Youaregiventhefollowinginformationonanaccumulationannuity:
　　Issuedate:January1,1996
　　Endofcurrentinterestguaranteeperiod:December31,2010
　　Currentguaranteedinterestrate:7%
　　Additionalmargin:0.25%
　　Interestratesavailablefornewdeposits:
　　NumberofyearsInterestrateguarantee
　　54.5%
　　105.0%
　　155.5%
　　CalculatethemarketvalueadjustmentonDecember31,2005.
　　(A)88%
　　(B)99%
　　(C)108%
　　(D)111%
　　(E)Noneoftheabove
 
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　　USETHISPAGEFORYOURSCRATCHWORK
　　COURSE5:Fall2005-15-GOONTONEXTPAGE
　　MorningSession
　　高顿网校之金玉良言：个人之于社会等于身体的细胞，要一个人身体健全，不用说必须每个细胞都健全。 —— 闻一多