以下则是高顿网校的小编为您精心策划的北美精算师历年考试真题——SOA精算师考试——北美地区SOA真题历年Course5（第6部分），请认真阅读。
　　31.
　　ASSERTION
　　Individualriskassessment
　　techniquesarenolongerusedto
　　underwritesmallgroupmedical
　　insuranceplans.
　　BECAUSE
　　REASON
　　HIPAAdoesnotallowacarrierto
　　singleoutindividualemployees
　　forspecialratingtreatmentdueto
　　theirhealth.
　　COURSE5:Fall2005-30-GOONTONEXTPAGE
　　MorningSession
 
　　32.
　　ASSERTION
　　Nonmedicalunderwritingis
　　typicallyusedforunderwriting
　　largegroupsoflifeinsureds.
　　BECAUSE
　　REASON
　　Nonmedicalunderwritingusually
　　onlyrequiresthattheinsuredsare
　　activelyworkingwithno
　　significantmedicalabsences.
 
　　33.
　　ASSERTION
　　Incollectingmedicalclaimdata
　　todevelopmanualrates,an
　　experienceperiodofatleast
　　twelvemonthsisneeded.
　　BECAUSE
　　REASON
　　NovemberandDecemberoften
　　havefewerincurredmedical
　　claimsthanaverage.
 
　　34.
　　ASSERTION
　　IntheU.S.,withrespecttolarge
　　grouphealthinsurance,gender
　　cannotbeusedasarating
　　characteristic.
　　BECAUSE
　　REASON
　　TheU.S.governmentrestrictsthe
　　useofgender-basedemployee
　　contributionratesforlargegroups.
 
　　35.
　　ASSERTION
　　Inmostcountries,taxreserves
　　areidenticaltosolvencyreserves.
　　BECAUSE
　　REASON
　　Solvencyreservesproducethe
　　smallesttaxdeductionsfor
　　insurancecompanies.
　　COURSE5:Fall2005-31-GOONTONEXTPAGE
　　MorningSession
 
　　36-40.Eachofquestions36through40consistsoftwolists.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).
　　36.X.CashbasisaccountingI.Methodusuallyusedtodetermine
　　non-businessincome.
　　Y.AccrualbasisaccountingII.Producesmoreaccurate
　　measurementofincomeoveran
　　accountingperiod.
　　III.Costofcapitalassetsamortizedover
　　theirusefullife.
　　37.X.No-faultsystemI.Subrogationofautoinsuranceclaims
　　Y.TortsystemII.Significantlyhigherpersonalinjury
　　protectionpremium
　　III.Workerscompensation
　　COURSE5:Fall2005-32-STOP
　　MorningSession
　　38.X.Waiverofpremiumbenefitfor
　　grouplifeinsurance.
　　I.Insuredreceivesmonthlyinstallment
　　benefit.
　　Y.Totalandpermanentdisability
　　benefitforgrouplifeinsurance.
　　II.Insuredmustremaincontinuously
　　disableduntildeath.
　　III.Insuredistypicallypaidareduced
　　deathbenefitattimeofdeath.
　　39.X.MultipleEmployerWelfare
　　Association(MEWA)
　　I.Collectivelybargained
　　Y.PurchasingallianceII.Self-insured
　　III.Typicallysmallaverageemployer
　　高顿网校之短句汇编：他（罗曼罗兰）通过无形的音乐，说明人类伟大的东西不属于一个时代一个民族，它像一束神圣的火炬，超越时代的界线，从一个大师手里传到另一个大师手里而永远光芒四射，除非人类停止呼能吸，它才会熄灭。 —— 茨威格