以下则是高顿网校小编为您整理的2001北美精算师真题大纲NovemberCourse5（四），请尽快吸收。
　　15. Rank in ascending order (smallest to largest) the premium level of the following life
　　insurance policies.
　　I. Participating Whole Life Insurance
　　II. Level Term to 100 Insurance
　　III. Non-participating Whole Life Insurance
　　(A) IIIIII
　　(B) IIIIII
　　(C) IIIIII
　　(D) IIIIII
　　(E) IIIIII
　　COURSE 5: November 2001 - 16 - GO ON TO NEXT PAGE
　　Morning Session
 
　　16. Rank in ascending order (lowest to highest) the price level of a product resulting from the
　　following strategies:
　　I. Opportunistic pricing
　　II. Adaptive pricing
　　III. Predatory pricing
　　(A) IIIIII
　　(B) IIIIII
　　(C) IIIIII
　　(D) IIIIII
　　(E) IIIIII
　　COURSE 5: November 2001 - 17 - GO ON TO NEXT PAGE
　　Morning Session
　　Each of questions 17 through 18 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).
 
　　17. X. Penetration pricing I. Different price levels for buyers with
　　different behaviors
　　Y. Segmented pricing II. Works best with commodity-like
　　products
　　III. Price set to generate high level of
　　sales
 
　　18. X. Low lapse rates I. Cause an increase in the average
　　mortality of the remaining group
　　Y. Selective lapse rates II. Tend to decrease the percentage of
　　unhealthy insureds
　　III. Result in mortality at older ages that
　　increase more slowly by policy year
　　COURSE 5: November 2001 - 18 - GO ON TO NEXT PAGE
　　Morning Session
　　Each of questions 19 through 23 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.
 
　　19.
　　ASSERTION
　　In Canada, a variable life
　　insurance product is taxed
　　annually on the “inside buildup”
　　of cash value.
　　BECAUSE
　　REASON
　　In Canada, a life insurer’s
　　segregated fund is not treated as a
　　trust for income tax purposes.
 
　　20.
　　ASSERTION
　　The amount of depreciation taken
　　for tax purposes usually exceeds
　　depreciation taken for regular
　　financial statements.
　　BECAUSE
　　REASON
　　Governments often use
　　depreciation allowances to
　　stimulate the general economy.
　　COURSE 5: November 2001 - 19 - GO ON TO NEXT PAGE
　　Morning Session
 
　　21.
　　ASSERTION
　　In life insurance, the trend has
　　been towards fewer risk
　　classifications
　　BECAUSE
　　REASON
　　In life insurance, the increased
　　cost of underwriting tests and
　　requirements have not made it cost
　　effective to create additional risk
　　classifications.
 
　　22.
　　ASSERTION
　　In the U.S., large employers often
　　use administration services only
　　(ASO) arrangements for health
　　plans.
　　BECAUSE
　　REASON
　　In the U.S., ASO arrangements are
　　exempt from the provisions of
　　ERISA.
　　征服自己需要更大的勇气，其胜利也是所有胜利中最光荣的胜利。——高顿网校为人处世

 

 
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