我们在8月25日下午给大家罗列了北美精算师历届SOA真题汇聚November2001Course5（Part3）。
　　6. X. Indemnity plan cancer policy I. Specified benefits for each of the
　　various types of expenses
　　Y. Scheduled plan cancer policy II. Paid regardless of the actual hospital
　　charges
　　III. Often no dollar limit on total
　　benefits
　　COURSE 5: November 2001 - 10 - GO ON TO NEXT PAGE
　　Morning Session
 
　　7. Rank in ascending order (shortest to longest) the elimination periods usually found in the
　　following types of individual health insurance policies:
　　I. Overhead expense benefits
　　II. Disability buy-out benefits
　　III. Presumptive disability benefits
　　(A) IIIIII
　　(B) IIIIII
　　(C) IIIIII
　　(D) IIIIII
　　(E) IIIIII
　　COURSE 5: November 2001 - 11 - GO ON TO NEXT PAGE
　　Morning Session
　　Each of questions 8 through 9 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.
 
　　8.
　　ASSERTION
　　The use of a coinsurance clause
　　in a homeowners insurance
　　policy results in premiums that
　　are inequitable among insureds.
　　BECAUSE
　　REASON
　　In a homeowners insurance policy
　　with a coinsurance clause, persons
　　who purchase small amounts of
　　insurance would bring a
　　disproportionate amount of risk to
　　the pool if losses were skewed to
　　smaller claims.
 
　　9.
　　ASSERTION
　　A cash balance plan is a defined
　　contribution pension plan.
　　BECAUSE
　　REASON
　　In a cash balance plan, the benefit
　　is expressed in terms of an account
　　balance.
　　COURSE 5: November 2001 - 12 - GO ON TO NEXT PAGE
　　Morning Session
　　Each of questions 10 through 11 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).
 
　　10. X. Defined Contribution Pension Plan I. Usually favors employees hired at
　　younger ages
　　Y. Defined Benefit Pension Plan II. Contributions higher for female
　　employees
　　III. Employer assumes investment risk
 
　　11. X. GAAP financials I. Match incidence of revenues and
　　expenses
　　Y. Statutory financials II. Value insurer on a going concern
　　basis
　　III. More conservative standards for
　　liability valuations
　　COURSE 5: November 2001 - 13 - GO ON TO NEXT PAGE
　　Morning Session
　　Each of questions 12 through 13 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.
 
　　12.
　　ASSERTION
　　Most life insurance companies
　　adjust prices when they are out of
　　line with the competition.
　　BECAUSE
　　REASON
　　Most buyers of life insurance shop
　　around and compare prices.
 
　　13.
　　ASSERTION
　　Skim pricing is rare for life
　　insurance products.
　　BECAUSE
　　REASON
　　Skim pricing is usually done with
　　products that are in short supply
　　and high demand.
　　COURSE 5: November 2001 - 14 - GO ON TO NEXT PAGE
　　Morning Session
 
　　14. Rank in ascending order (smallest to largest) the following products according to how
　　much investment risk is transferred to the policyholder:
　　I. Universal life insurance
　　II. Variable universal life insurance
　　III. Term insurance
　　(A) IIIIII
　　(B) IIIIII
　　(C) IIIIII
　　(D) IIIIII
　　(E) IIIIII
　　COURSE 5: November 2001 - 15 - GO ON TO NEXT PAGE
　　Morning Session
　　成功就像一座平衡的秤，一边是努力，一边是快乐；付出的多，收获的也多。——高顿网校做人道理

 

 
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