有来报考今年10月份北美精算师考试的么？赶紧鼠标戳进来看——SOA精算师考试——经典真题Course8G（第3部分）
　　12.(4points)Youareanactuaryresponsiblefordevelopingyourcompany’sfinancial
　　forecastmodels.Recentlyyourcompanyhasimprovedaccessandqualityofdata.The
　　ChiefActuaryisnowencouragingyoutoincorporateadditionalsituationsinforecast
　　modeling.
　　(a)(3points)Discussbasicprinciplesfordesigningforecastmodels.
　　(b)(1point)Outlinewaysinwhichforecastmodelingcaninfluencecompany
　　actionstohelpachievebusinessobjectives.
　　COURSE8:Fall2005-13-GOTONEXTPAGE
　　HealthandGroupLifeSegment
 
　　13.(8points)YouarethechiefactuaryforABCInsuranceCompany.Youareconsidering
　　purchasinganindividualinsuranceblockofbusinessbutareconcernedaboutABC’s
　　abilitytoadministersuchbusiness.
　　(a)Discussthestepsanagentgoesthroughinsellingandservicingindividualhealth
　　insurancepolicies.
　　(b)Describeconsiderationsinplandesign,pricing,anddistributionchannels.
　　(c)Describethetypicalunderwritingconsiderationsforindividualhealthinsurance.
　　(d)Describeelementsincludedinratingclassificationsystems.
　　(e)Explaintypesofpremiumguaranteesthatcouldbeoffered.
　　COURSE8:Fall2005-14-GOTONEXTPAGE
　　HealthandGroupLifeSegment
 
　　14.(4points)Youareth*uationactuaryforTATHealthInsuranceCompany.Youare
　　concernedabouttheincreaseinturnaroundtimeforclaimpaymentandhavebeen
　　workingwiththemanageroftheclaimsareatoaddressthisconcern.
　　(a)Describethebasicpurposesofclaimsandbenefitsadministration.
　　(b)Discussthecommonproblemsseeninclaimsandbenefitsadministrationand
　　theirramifications.
　　(c)Outlinethebasicprinciplesofinventorymanagementandmechanismsfor
　　inventorycontrol.
　　COURSE8:Fall2005-15-GOTONEXTPAGE
　　HealthandGroupLifeSegment
　　Question15pertainstotheCaseStudy
 
　　15.(5points)AbenefitsconsultanthasapproachedWonderfulLifeaboutinsuringher
　　client’semployer-sponsoredGroupLongTermDisability(GLTD)coverage.TheGLTD
　　coveragehasa180-dayeliminationperiod.Thereare1,100employeeseligiblefor
　　GLTDcoveragewiththefollowingagedistribution:
　　AgeEmployees
　　18-24400
　　25-29300
　　30-34200
　　35-39-
　　40-44100
　　45-49-
　　50-54100
　　55-59-
　　60-64-
　　Total1,100
　　Youestimatethatthegroup’sincidenceratewillbe150%ofthemaleincidencerates
　　foundinTableGLD-6A.Thegrouphassuppliedpriorexperiencebasedon5,000life
　　yearsthatproducesanaggregateexperienceclaimrateof$0.98per$100ofmonthly
　　benefit.
　　WonderfulLife’sprofitrequirementonGLTDbusinessis5.0%ofpremium.Total
　　expensewillfollowWonderfulLife’sactualfinancialsforthemostrecentyearasfound
　　inTableGLD-3A.
　　(a)Calculatethegroup’scompositemanualmonthlygrosspremiumrateper$100of
　　monthlybenefit,assuminganaveragereserveof$54peropenclaimper$1of
　　benefit.Showyourwork.
　　(b)Calculatetheblendedmonthlygrosspremiumrateusingacredibilityformulaof
　　N/(N+5,000).Showyourwork.
　　(c)DiscussthedifferenttypesofreservesthatWonderfulLifewillholdforthis
　　coverage,andhowtheyaredetermined.
　　COURSE8:Fall2005-16-GOTONEXTPAGE
　　HealthandGroupLifeSegment
 
　　16.(8points)YouareagroupbenefitsconsultantatNOVADesignInc.Oneofyour
　　Canadianclientshasthefollowinggroupbenefitsplan:
　　BenefitsCoverageMonthly
　　premiumratesVolume
　　Lifeinsurance3×salary$0.32per
　　$1,000benefit$46,200,000
　　Long–term
　　disability
　　75%ofmonthly
　　salary
　　$1.05per$100
　　benefit$962,500
　　Medical
　　Nodeductible
　　100%coinsurance
　　forallservices
　　Single:$50
　　Family:$125
　　Single:120
　　Family:280
　　Dental
　　Nodeductible
　　90%coinsurance
　　forallservices
　　Single:$30
　　Family:$75
　　Single:120
　　Family:280
　　Theemployerpays100%ofthecostforallbenefits.
　　YourclientwantstoreviewitsplandesignandintroduceaHealthCareExpenseAccount
　　(HCEA).Thenewplandesignhastobecostneutralinthefirstyear.Yourclientexpects,
　　however,tosavesomecostovertimethroughmaintainingafixedHCEAcreditformula.
　　Youareproposingthefollowingdesign:
　　BenefitsCoverage
　　Lifeinsurance1×salary
　　Long–termdisability66.7%ofmonthlysalary
　　MedicalNodeductible
　　80%coinsuranceforallservices
　　DentalNocoverage
　　HCEAOffered
　　(a)(1point)DescribetheadvantagesofanHCEA.
　　(b)(2points)DescribehowtheHCEAcanbefundedandthedecisionsyourclient
　　mustmakeinsettingitup.
　　(c)(3points)CalculatethemoneyavailabletofundtheHCEApool,developacredit
　　formulatoallocatecreditstoemployees,andexplaintheprosandconsofyour
　　formula.Showyourwork.
　　(d)(2points)Calculateaggregatesavingsforyourclient’snextrenewal,assuming
　　medicalanddentalinflationof15%and7.5%respectively,andanaverage
　　increaseinsalariesof3%.Showyourwork.
　　COURSE8:Fall2005-17-GOTONEXTPAGE
　　HealthandGroupLifeSegment
　　高顿网校之经典总结：梦境总是现实的反面。——伟格利