北美精算师考试SOA真题Course5（七）——2004年11月份，全心全意看完吧，为你自己的精算师成绩着想吧。
　　32. For an automobile insurance policy, Other Than Collision (OTC) premiums usually vary
　　for all of the following EXCEPT:
　　(A) Age of policyholder
　　(B) Territory
　　(C) Expectation as to ease of damage to vehicle
　　(D) Vehicle value
　　(E) Cost to repair vehicle
 
　　33. Group supplemental life plans differ from basic group life coverage in all of the
　　following ways EXCEPT:
　　(A) Minimum participation limits are more liberal
　　(B) Evidence of insurability is more stringent
　　(C) Suicide exclusion is common
　　(D) If a disability provision is included, it is usually limited to waiver of premium
　　(E) Contributions are generally subsidized by the employer
　　COURSE 5: Fall 2004 - 39 - GO ON TO NEXT PAGE
　　Morning Session
 
　　34. In the US, a policyholder can, under certain conditions, perform all of the following
　　without incurring taxable income EXCEPT:
　　(A) Exchange a life insurance policy for a life insurance policy
　　(B) Exchange a life insurance policy for an annuity policy
　　(C) Exchange an annuity policy for an annuity policy
　　(D) Exchange an annuity policy for a life insurance policy
　　(E) Take a policy loan against a life insurance policy
 
　　35. Regarding the Health Insurance Portability and Accountability Act (HIPAA), all of the
　　following are true EXCEPT:
　　(A) Restricts post-issue underwriting during claims adjudication process
　　(B) Defines a small employer group
　　(C) Requires underwriters to offer insurance to all groups regardless of
　　industry/occupation
　　(D) Requires HMOs to offer all major medical and comprehensive health insurance
　　products on a guaranteed acceptance and renewal basis
　　(E) Restricts application of pre-existing condition limitation or exclusions for
　　individual employees who have had continuous coverage for more than 12
　　months
　　COURSE 5: Fall 2004 - 40 - GO ON TO NEXT PAGE
　　Morning Session
 
　　36. Under the traditional unit credit actuarial cost method, all of the following affect future
　　normal costs EXCEPT:
　　(A) aging of active employees
　　(B) actual withdrawal experience
　　(C) actual death experience
　　(D) actual number of new employees
　　(E) actual investment performance
 
　　37. In the Accumulation Reserve method used for universal life insurance, all of the
　　following can be used to amortize acquisition expenses EXCEPT:
　　(A) Income from surrender charges
　　(B) Premiums
　　(C) Interest margins
　　(D) Cost of insurance margins
　　(E) Expense margins
　　COURSE 5: Fall 2004 - 41 - GO ON TO NEXT PAGE
　　Morning Session
　　USE THIS PAGE FOR YOUR SCRATCH WORK
　　COURSE 5: Fall 2004 - 42 - GO ON TO NEXT PAGE
　　Morning Session
 
　　38. Each of questions 38 through 40 consist of two lists. In the list at the left are two items,
　　lettered X and Y. In the list at the right are three items, numbered I, II, and III. ONE of
　　the lettered items is related in some way to EXACTLY TWO of the numbered items.
　　Indicate the related items using the following answer code:
　　Lettered Item
　　Is Related to Numbered Items
　　(A)
　　X
　　I and II only
　　(B)
　　X
　　II and III only
　　(C)
　　Y
　　I and II only
　　(D)
　　Y
　　I and III only
　　(E)
　　The correct answer is not given by (A), (B), (C) or (D).
　　38. X. Anti-selection I. Function of the inherent degree of
　　fluctuation in the benefit and in the
　　volume of business
　　Y. Claims volatility II. Addressed through the initial plan
　　design
　　III. Limited by provisions restricting
　　payment of claims
　　COURSE 5: Fall 2004 - 43 - STOP
　　Morning Session
　　高顿网校之生活感悟：每个人都被生命询问，而他只有用自己的生命才能回答此问题；只有以“负责”来答复生命。因此，“能够负责”是人类存在最重要的本质。——维克多·费兰克