北美精算师2001年SOA11月Course5（第二课），请都看仔细哦，别煞费我们高顿网校的苦心哦。
　　7. (5 points) Describe key issues that should be addressed by an insurance company to
　　establish the need for a new group insurance product.
　　**END OF WRITTEN ANSWER SECTION**
　　COURSE 5: November 2001 - 6 - GO ON TO NEXT PAGE
　　Morning Session
　　COURSE 5
　　MORNING SESSION
　　APPLICATION OF BASIC ACTUARIAL PRINCIPLES
　　SECTION B-MULTIPLE CHOICE
　　COURSE 5: November 2001 - 7 - GO ON TO NEXT PAGE
　　Morning Session
　　MULTIPLE CHOICE SECTION
　　Each of questions 1 through 2 consists of an assertion in the left-hand column and a
　　reason in the right-hand column. Code your answer to each question by blackening
　　space:
　　(A) If both the assertion and the reason are true statements, and the reason is a correct
　　explanation of the assertion.
　　(B) If both the assertion and the reason are true statements, but the reason is NOT a
　　correct explanation of the assertion.
　　(C) If the assertion is a true statement, but the reason is a false statement.
　　(D) If the assertion is a false statement, but the reason is a true statement.
　　(E) If both the assertion and the reason are false statements.
 
　　1.
　　ASSERTION
　　With respect to a large group
　　health plan, net premiums can be
　　a larger percentage of gross
　　premiums than is the case for
　　equivalent individual health
　　insurance.
　　BECAUSE
　　REASON
　　State regulation does not impact
　　large group health insurance
　　pricing as heavily as it does
　　individual health insurance
　　pricing.
 
　　2.
　　ASSERTION
　　In Canada, it is expected that
　　cost-sharing mechanisms will
　　become more attractive to
　　provincial health care plans.
　　BECAUSE
　　REASON
　　In Canada, provincial health plans
　　with cost-sharing mechanisms will
　　only be penalized to the amount of
　　the federal health transfer they
　　would otherwise receive.
　　COURSE 5: November 2001 - 8 - GO ON TO NEXT PAGE
　　Morning Session
　　Each of questions 3 through 6 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).
 
　　3. X. Group Term Life Insurance in the
　　U.S.
　　I. Can result in imputed taxable
　　income
　　Y. Group Accidental Death and
　　Dismemberment Insurance
　　(AD&D) in the U.S.
　　II. Optional amounts are available
　　without medical evidence
　　III. Usually convertible to individual
　　coverage
 
　　4. X. Short Term Disability (STD) in the
　　U.S.
　　I. Benefits are integrated with Social
　　Security benefits
　　Y. Long Term Disability (LTD) in the
　　U.S.
　　II. Benefits are paid weekly
　　III. Benefit amount may be reduced to
　　coordinate with state disability
　　insurance (SDI) programs
　　COURSE 5: November 2001 - 9 - GO ON TO NEXT PAGE
　　Morning Session
 
　　5. X. Medicaid I. The beneficiaries pay fixed fees for
　　specified services
　　Y. Medicare II. The program pays a percentage of
　　allowable charges
　　III. No deductible
　　享受成果，是人生一大乐事。事前花的心血愈多，下的功夫愈大，事后获得的成果自然愈好享受起来必然也就愈快乐。——高顿网校做人原则

 

 
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