下面高顿网校展示的是——北美精算师2014（SOA）November2004Course5（五），慢慢累积所有知识点是王道。
　　21.Eachofquestions21through26consistofanassertionintheleft-handcolumnanda
　　reasonintheright-handcolumn.Codeyouranswertoeachquestionbyblackening
　　space:
　　(A)Ifboththeassertionandthereasonaretruestatements,andthereasonisacorrect
　　explanationoftheassertion.
　　(B)Ifboththeassertionandthereasonaretruestatements,butthereasonisNOTa
　　correctexplanationoftheassertion.
　　(C)Iftheassertionisatruestatement,butthereasonisafalsestatement.
　　(D)Iftheassertionisafalsestatement,butthereasonisatruestatement.
　　(E)Ifboththeassertionandthereasonarefalsestatements.
 
　　21.
　　ASSERTION
　　Inamedicalplanusinga
　　capitationmodel,theprovider
　　assumesmoreinsuranceriskthan
　　theinsurer.
　　BECAUSE
　　REASON
　　Inacapitationmodel,theinsurer
　　subcontractswithaproviderto
　　performadefinedrangeof
　　servicesinreturnforfeeschedule
　　reimbursementforeachservice
　　rendered.
 
　　22.
　　ASSERTION
　　Afteraninsurerreimbursesa
　　policyholderforlossesundera
　　homeownerpolicy,theinsurer
　　cansueathirdpartyfor
　　negligenceandkeepthetotal
　　proceedsofthesettlement.
　　BECAUSE
　　REASON
　　Asubrogationclauseexistsin
　　everyhomeowner’spolicy.
　　COURSE5:Fall2004-27-GOONTONEXTPAGE
　　MorningSession
 
　　23.
　　ASSERTION
　　Regulationofreinsuranceis
　　primarilyconcernedwith
　　solvency.
　　BECAUSE
　　REASON
　　Reinsurancecontractsare
　　generallysubjecttoregulatory
　　approval.
 
　　24.
　　ASSERTION
　　Underagenerationalannuity
　　mortalitytable,themortalityrate
　　atage50foranindividual
　　currentlyage40islessthanthat
　　foranindividualcurrentlyage
 
　　30.
　　BECAUSE
　　REASON
　　Agenerationalannuitymortality
　　tableassumesmortalityrateswill
　　besubjecttocontinuous
　　improvement.
　　25.
　　ASSERTION
　　Intheearlyyearsofanoldage
　　securitysystem,pay-as-you-go
　　fundingwillbemoreexpensive
　　thanafullyfundedplan.
　　BECAUSE
　　REASON
　　Inafullyfundedoldagesecurity
　　system,investmentearningshelp
　　payforfuturebenefits.
　　26.
　　ASSERTION
　　Agroupinsuranceretrospective
　　premiumriderwillcreateadue
　　andunpaidpremiumonthe
　　financialstatementifexperience
　　isworsethanexpected.
　　BECAUSE
　　REASON
　　Underagroupinsurance
　　retrospectivepremiumrider,a
　　policyholderagreestoremitan
　　additionalpremiumbasedona
　　monthlyreviewoftheprevious
　　month’spaidclaims.
　　COURSE5:Fall2004-28-GOONTONEXTPAGE
　　MorningSession
　　高顿网校之心灵鸡汤：没有思想自由，就没有科学，没有真理。 —— 勒南