考北美精算师的莘莘学子们，有木有正在为找不到讲义愁云不展的？高顿网校来为您解决：SOA精算师考试2014——Course8G（最后一部分）
　　20.(3points)YouareanactuarialconsultanthiredbyXYZCorporationtohelpthem
　　redesigntheirmedicalplan.XYZCorporationisamanufacturingcompanythathas
　　3,000activeemployeesand500retirees.Allemployeesarelocatedinasingle
　　metropolitanarea.TheHumanResources(HR)manageratXYZCorporationhastold
　　youthatshewantstoredesignthemedicalplanoptionstoencourageemployee
　　responsibilityandconsumerism.
　　(a)Describefactorswhichwouldmakeapatientdirectedhealthcarebenefitapproach
　　appropriateforXYZ.
　　(b)OutlinenextstepstheHRmanagercouldtaketoimplementthistypeofplan.
　　COURSE8:Fall2005-21-GOTONEXTPAGE
　　HealthandGroupLifeSegment
 
　　21.(5points)Youhavebeenaskedtoreviewtheimpactofchangingthespecificdeductible
　　fortheaggregatestoplossarrangementofoneofyourclient’sself-fundedplans.
　　Youaregiventhefollowinginformationforthemostrecentplanyear:
　　StopLossInformation
　　Expectedtotallosses(PEPM)$400
　　ExpectedMonthlyEmployees240
　　AggregateAttachmentFactor120%ofexpectedtotallosses
　　MinimumAttachmentPoint90%oftheexpectedannual
　　attachmentpoint
　　ActualLossInformation
　　EmployeeMonths3,000
　　TotalLosses$1,635,000
　　CoveredLossesExceeding$100,000
　　PersonA$300,000
　　PersonB$125,000
　　PersonC$250,000
　　Youareconsideringtwospecificstoplossdeductiblescenarios:
　　i.$100,000(currentplan)
　　ii.$250,000(alternativeplan)
　　(a)Explaintheprocessforsettingtheexpectedlossesandaggregateattachment
　　factor.
　　(b)Describeaggregatestoplossunderwritingconsiderationsfromtheinsurer’spoint
　　ofview.
　　(c)Calculatethetotalstoplossreimbursementforthemostrecentplanyearunder
　　eachspecificstoplossdeductiblescenario.Showyourwork.
　　COURSE8:Fall2005-22-STOP
　　Health,GroupLife&ManagedCare
 
　　22.(4points)YouarethepricingactuaryofONLYLifeInsuranceCompany.Thecompany
　　islookingintoenteringtheIndividualDImarket.TheV.P.ofMarketinghascometo
　　youwiththefollowingproposedplan:
　　?TargetMarketAssociationofPhysicians
　　?UnderwritingNon-Cancelable
　　?Definitionof
　　Disability
　　PureOwnOccupation
　　?PremiumRate
　　Structure
　　Unisex,varyingbyage
　　?MonthlyBenefitGreaterof:averagemonthlybenefitoverprior12months;or
　　greatestaveragemonthlyearningsforany2successiveyears
　　overtheprior5years
　　?InflationCOLAridersincludedwithaminimumannualincreaseof
　　6%peryear
　　?MaximumBenefitUnlimited
　　?EliminationPeriod1month
　　(a)Discusseachelementoftheproposedplandesignwithrespecttothecompany’s
　　exposuretoriskandrecommendchangestolimitthecompany’srisk.
　　(b)Discussvariousfactorsthatshouldbeconsideredtoensureprofitabilityofthe
　　productintoday’senvironmentintermsofpricing,underwriting,andmanagement.
　　高顿网校之心灵鸡汤：梦想绝不是梦，两者之间的差别通常都有一段非常值得人们深思的距离。——古龙