以下则是高顿网校小编为您整理的一套北美精算师考前珍贵资料——2014年SOA精算师考试真题系列Course8G（第4部分），请亲们笑纳。
　　17.(3points)YouarethechiefgroupunderwriteratamajorinsurancecompanyintheU.S.
　　Anumberofyourunderwriterswillberetiringshortly,andyoumusttrainjuniorstaffto
　　fillthesepositions.Yourgrouplineofbusinessproductsincludelifeinsurance,longterm
　　disability,andlong-termcare.Outlineunderwritingconsiderationsforeachofthese
　　products.
　　COURSE8:Fall2005-18-GOTONEXTPAGE
　　HealthandGroupLifeSegment
 
　　18.(6points)YouareavaluationactuaryforTheWorld’sBestInsuranceCompany.You
　　havebeenaskedtoestimateexpectedclaimcostsfornon-institutionallong-termcare
　　(LTC)benefitsfora62-yearoldmale.Youhavethefollowinginformationforyour
　　company’sLTCproduct:
　　BenefitAmount:$100/day
　　BenefitTrigger:2ActivitiesofDailyLiving(ADL)or
　　CognitiveImpairment(CI)
　　BenefitPeriod:24months
　　EliminationPeriod:6months
　　Lapserateinformation:
　　DurationLapseRate
　　Anti-selective
　　lapsefactor
　　06%0.8
　　15%0.7
　　24%0.6
　　33%0.5
　　42%0.4
　　Youarealsogiventhefollowinginformationspecifictoa62-yearoldmale:
　　AnnualIncidenceper$1,000:10.15
　　Non-InstitutionalDisabilityDayAverage:882
　　Publishedindustryexperiencetabulardataonthedistributionofnon-institutionalclaim
　　durationsformalesage62:
　　Non-institutionalDisabilityDaysbyDurationfromIncurralandADL/CIStatus
　　Age62Male
　　PercentageofNon-institutionalDaysBeyondDuration
　　NoCIWithCI
　　Durationin
　　months0ADL1ADL2ADL3+ADL0ADL1ADL2ADL3+ADL
　　0n/a40.8810.8511.8531.492.341.281.65
　　6n/a31.908.969.7030.672.151.181.52
　　24n/a14.284.734.7828.061.650.911.13
　　30n/a10.823.783.7927.191.510.841.02
　　(a)(3points)Calculatetheestimatednon-institutionalclaimcostpermonth.Show
　　yourwork.
　　(b)(2points)DiscusshowvoluntarylapseratesareusedinindividualLTCvaluation
　　methods,andhowtheyrelatetoanti-selection.
　　(c)(1point)Calculatethemorbidityloadatduration4.Showyourwork.
　　COURSE8:Fall2005-19-GOTONEXTPAGE
　　HealthandGroupLifeSegment
 
　　19.(6points)YouaretheconsultantforBigFishInc.,whorecentlyacquiredLittleFishInc.
　　BigFishInc.hasaflexiblebenefitsplan,whileLittleFishInc.hasatraditionalplan.
　　BigFishandLittleFishoperateinseparatemarkets.Nemo,thePresidentofBigFishInc.
　　hasaskedyoutoprepareareportontransitioningLittleFish’splantoBigFish’splan.
　　Currentpricinginformationisshowninthetablebelow:
　　BigFishInc.PlanInformation:
　　PriceTagsRelativeValue
　　MedicalDental
　　PlanOptionSingleFamilySingleFamilyMedicalDental
　　A$100$250$105$28060%80%
　　B$200$500$150$400100%100%
　　C$350$875$225$600150%125%
　　?Credits:$350forSingleCoverage
　　$900forFamilyCoverage
　　LittleFishInc.PlanInformation:
　　MedicalDental
　　SingleFamilySingleFamily
　　CurrentCosts$225$550$140$420
　　ExpectedParticipationinLittleFishFlexPlan
　　MedicalDental
　　PlanOptionSingleFamilySingleFamily
　　A5%10%10%5%
　　B25%30%25%40%
　　C10%20%5%15%
　　?Thecurrentmedicalplanis20%richerthantheBigFishmedical
　　flexplanOptionB.
　　?Thecurrentdentalplanis10%lessrichthantheBigFishdental
　　flexplanOptionB.
　　?LittleFishpays100%ofthecosts.
　　?Theenrollmentis40%Singleand60%Family
　　(a)(4points)CalculatetheimpacttoBigFish’scostofmovingLittleFishinto
　　BigFish’sflexplan,withoutchange.Showyourwork.
　　(b)(2points)DiscusswhyBigFishmaywanttomaintainaseparatebenefitspricing
　　structurefromLittleFish,andtheadvantagesanddisadvantagesofdoingso.
　　COURSE8:Fall2005-20-GOTONEXTPAGE
　　HealthandGroupLifeSegment
　　高顿网校之短句汇编：如意算盘，不一定符合事实。——奥地利