北美精算师SOA真题Course5（六）前辈回忆2005年精选版，该部分是由我们高顿网校小编们集中精力为您备齐的。
　　31.
　　ASSERTION
　　Individual risk assessment
　　techniques are no longer used to
　　underwrite small group medical
　　insurance plans.
　　BECAUSE
　　REASON
　　HIPAA does not allow a carrier to
　　single out individual employees
　　for special rating treatment due to
　　their health.
　　COURSE 5: Fall 2005 - 30 - GO ON TO NEXT PAGE
　　Morning Session
　　32.
　　ASSERTION
　　Nonmedical underwriting is
　　typically used for underwriting
　　large groups of life insureds.
　　BECAUSE
　　REASON
　　Nonmedical underwriting usually
　　only requires that the insureds are
　　actively working with no
　　significant medical absences.
　　33.
　　ASSERTION
　　In collecting medical claim data
　　to develop manual rates, an
　　experience period of at least
　　twelve months is needed.
　　BECAUSE
　　REASON
　　November and December often
　　have fewer incurred medical
　　claims than average.
　　34.
　　ASSERTION
　　In the U.S., with respect to large
　　group health insurance, gender
　　cannot be used as a rating
　　characteristic.
　　BECAUSE
　　REASON
　　The U.S. government restricts the
　　use of gender-based employee
　　contribution rates for large groups.
　　35.
　　ASSERTION
　　In most countries, tax reserves
　　are identical to solvency reserves.
　　BECAUSE
　　REASON
　　Solvency reserves produce the
　　smallest tax deductions for
　　insurance companies.
　　COURSE 5: Fall 2005 - 31 - GO ON TO NEXT PAGE
　　Morning Session
　　36-40. Each of questions 36 through 40 consists 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).
　　36. X. Cash basis accounting I. Method usually used to determine
　　non-business income.
　　Y. Accrual basis accounting II. Produces more accurate
　　measurement of income over an
　　accounting period.
　　III. Cost of capital assets amortized over
　　their useful life.
　　37. X. No-fault system I. Subrogation of auto insurance claims
　　Y. Tort system II. Significantly higher personal injury
　　protection premium
　　III. Workers compensation
　　COURSE 5: Fall 2005 - 32 - STOP
　　Morning Session
　　38. X. Waiver of premium benefit for
　　group life insurance.
　　I. Insured receives monthly installment
　　benefit.
　　Y. Total and permanent disability
　　benefit for group life insurance.
　　II. Insured must remain continuously
　　disabled until death.
　　III. Insured is typically paid a reduced
　　death benefit at time of death.
　　39. X. Multiple Employer Welfare
　　Association (MEWA)
　　I. Collectively bargained
　　Y. Purchasing alliance II. Self-insured
　　III. Typically small average employer
　　size (50)
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