高顿网校小编言语：以下则是SOA真题之北美精算师考试November2004Course5（Part 7），珍惜美好的学习时光吧，且看且珍惜啊。
　　32.Foranautomobileinsurancepolicy,OtherThanCollision(OTC)premiumsusuallyvary
　　forallofthefollowingEXCEPT:
　　(A)Ageofpolicyholder
　　(B)Territory
　　(C)Expectationastoeaseofdamagetovehicle
　　(D)Vehicl*ue
　　(E)Costtorepairvehicle
 
　　33.Groupsupplementallifeplansdifferfrombasicgrouplifecoverageinallofthe
　　followingwaysEXCEPT:
　　(A)Minimumparticipationlimitsaremoreliberal
　　(B)Evidenceofinsurabilityismorestringent
　　(C)Suicideexclusioniscommon
　　(D)Ifadisabilityprovisionisincluded,itisusuallylimitedtowaiverofpremium
　　(E)Contributionsaregenerallysubsidizedbytheemployer
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　　MorningSession
 
　　34.IntheUS,apolicyholdercan,undercertainconditions,performallofthefollowing
　　withoutincurringtaxableincomeEXCEPT:
　　(A)Exchangealifeinsurancepolicyforalifeinsurancepolicy
　　(B)Exchangealifeinsurancepolicyforanannuitypolicy
　　(C)Exchangeanannuitypolicyforanannuitypolicy
　　(D)Exchangeanannuitypolicyforalifeinsurancepolicy
　　(E)Takeapolicyloanagainstalifeinsurancepolicy
 
　　35.RegardingtheHealthInsurancePortabilityandAccountabilityAct(HIPAA),allofthe
　　followingaretrueEXCEPT:
　　(A)Restrictspost-issueunderwritingduringclaimsadjudicationprocess
　　(B)Definesasmallemployergroup
　　(C)Requiresunderwriterstoofferinsurancetoallgroupsregardlessof
　　industry/occupation
　　(D)RequiresHMOstoofferallmajormedicalandcomprehensivehealthinsurance
　　productsonaguaranteedacceptanceandrenewalbasis
　　(E)Restrictsapplicationofpre-existingconditionlimitationorexclusionsfor
　　individualemployeeswhohavehadcontinuouscoverageformorethan12
　　months
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　　MorningSession
 
　　36.Underthetraditionalunitcreditactuarialcostmethod,allofthefollowingaffectfuture
　　normalcostsEXCEPT:
　　(A)agingofactiveemployees
　　(B)actualwithdrawalexperience
　　(C)actualdeathexperience
　　(D)actualnumberofnewemployees
　　(E)actualinvestmentperformance
 
　　37.IntheAccumulationReservemethodusedforuniversallifeinsurance,allofthe
　　followingcanbeusedtoamortizeacquisitionexpensesEXCEPT:
　　(A)Incomefromsurrendercharges
　　(B)Premiums
　　(C)Interestmargins
　　(D)Costofinsurancemargins
　　(E)Expensemargins
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　　MorningSession
　　USETHISPAGEFORYOURSCRATCHWORK
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　　38.Eachofquestions38through40consistoftwolists.Inthelistattheleftaretwoitems,
　　letteredXandY.Inthelistattherightarethreeitems,numberedI,II,andIII.ONEof
　　thelettereditemsisrelatedinsomewaytoEXACTLYTWOofthenumbereditems.
　　Indicatetherelateditemsusingthefollowinganswercode:
　　LetteredItem
　　IsRelatedtoNumberedItems
　　(A)
　　X
　　IandIIonly
　　(B)
　　X
　　IIandIIIonly
　　(C)
　　Y
　　IandIIonly
　　(D)
　　Y
　　IandIIIonly
　　(E)
　　Thecorrectanswerisnotgivenby(A),(B),(C)or(D).
 
　　39.X.Anti-selectionI.Functionoftheinherentdegreeof
　　fluctuationinthebenefitandinthe
　　volumeofbusiness
　　Y.ClaimsvolatilityII.Addressedthroughtheinitialplan
　　design
　　III.Limitedbyprovisionsrestricting
　　paymentofclaims
　　COURSE5:Fall2004-43-STOP
　　MorningSession
　　高顿网校之考试励志：对一个年轻人来讲，最令人惊异，最令人舒畅之事，莫过于在一位老人身上发现精神的青春。 —— 莫洛亚