无论你来自中国哪里，北美精算师考试请尽全力去考，下边展示的是SOA北美精算师资格考试Course8GNovember2003（第四堂课）。
　　13. (4 points) You have been asked by your client at BEST HMO to create a presentation that
　　will enable her to convince management to establish new methods for physician
　　compensation.
　　(a) Describe traditional and new, alternative forms of capitation and their suitability
　　for specific types of physicians.
　　(b) Describe traditional and new, alternative forms of incentive plans.
　　COURSE 8: Fall 2003 -10- GO TO NEXT PAGE
　　Health and Group Life Segment
　　Afternoon Session
 
　　14. (5 points) You are a consultant hired by TeethFerry.com, a company hoping to use the
　　Internet to market dental plans. They have created a marketing communication to be sent
　　to companies that do not currently have a benefits program.
　　From: TeethFerry.com
　　Subject: Quality Dental Coverage with 3 Months at No Charge
　　Affordable Dental Coverage
　　?  save up to 60% on all your dental needs
　　?  choose from 15 of the finest nationwide and regional plans
　　?  pay premiums, submit claims, get the latest information, all on your desktop!
　　(a) List the general types of delivery systems for dental plans and their major
　　features.
　　(b) Outline plan provisions and claim practices that dental insurers can use to
　　limit cost and anti-selection.
　　(c) Describe challenges that e-commerce companies must overcome to be
　　successful.
 
　　15. (4 points) You are the health actuary for XYZ Life Insurance Company. XYZ has been
　　marketing Individual Long Term Care insurance (ILTCI) for several years, but the
　　product has not performed well.
　　A large national employer has approached XYZ, expressing a desire to offer its
　　employees a Group Long Term Care insurance (GLTCI) product which XYZ does not
　　currently offer.
　　XYZ’s executive management has expressed concern about developing a GLTCI product
　　given the company’s poor experience with their ILTCI product. You have been asked to:
　　(a) Explain difficulties experienced by the industry in pricing and reserving early
　　versions of long term care products.
　　(b) Describe differences in plan design and pricing considerations between GLTCI
　　and ILTCI.
　　COURSE 8: Fall 2003 -11- GO TO NEXT PAGE
　　Health and Group Life Segment
　　Afternoon Session
　　Question 16 pertains to the Case Study
 
　　16. (5 points) You are the Chief Actuary of Wonderful Life, which offers Individual
　　Disability Insurance (IDI) on a Noncancellable and Guaranteed Renewable basis.
　　Wonderful Life has not dramatically changed the IDI product since the 80’s. Your
　　President is concerned about the volatility of the product and recent IDI experience in
　　particular. He has asked you to provide recommendations to improve the performance of
　　the IDI block.
　　In addition to the information provided in Tables GLD-3b, GLD-6b, and GLD-8b, the
　　following assumptions are provided:
　　?  Benefit period is 3 years
　　?  All qualified benefits are paid at end of year
　　?  The interest rate is 5.0%, and it is the same rate used in developing original
　　manual rates
　　?  Annualized termination rates can be used
　　?  The IDI block experience is fully credible
　　?  All policies were rated based on manual rates developed from the above table
　　assumptions.
　　(a) Outline general actions which might be taken to improve profit and/or reduce
　　volatility, in light of historical changes in the IDI industry.
　　(b) Recent performance indicators show actual-to-expected incidence rate is 120%
　　across all age bands, and actual- to-expected termination is 110% in annualized
　　claim termination rates. Calculate the manual rate for a male age 42 becoming
　　disabled at age 42. Show your work.
　　COURSE 8: Fall 2003 -12- GO TO NEXT PAGE
　　Health and Group Life Segment
　　Afternoon Session
　　千万记得尊重孩子的想象力，因为这可以让你的生活充满活力。——高顿网校名人语录

 

 
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