以下则是SOA真题北美精算师资格考试Course5November2001（六），请尽快吸收，因为这只是基础知识的其中一部分。
　　31.
　　ASSERTION
　　Disability buy-out insurance is
　　made available where a formal
　　buy/sell agreement is not in
　　place.
　　BECAUSE
　　REASON
　　Buy/sell agreements cover only
　　the contingency of death.
　　COURSE 5: November 2001 - 24 - GO ON TO NEXT PAGE
　　Morning Session
　　Each of questions 27 through 35 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.
 
　　32.
　　ASSERTION
　　A defined benefit cost method
　　with relatively high future normal
　　costs will have a low actuarial
　　liability
　　BECAUSE
　　REASON
　　The present value of expected
　　pension benefits varies by defined
　　benefit cost method
 
　　33.
　　ASSERTION
　　The amount of DAC tax is
　　calculated as a percent of expense
　　related to sales.
　　BECAUSE
　　REASON
　　The DAC tax is essentially a
　　requirement that insurers delay the
　　recognition of certain expenses
　　when calculating current taxable
　　income.
　　COURSE 5: November 2001 - 25 - GO ON TO NEXT PAGE
　　Morning Session
 
　　34.
　　ASSERTION
　　Policy reserves are generally less
　　significant for group health
　　insurance policies than for
　　individual health insurance
　　policies.
　　BECAUSE
　　REASON
　　In many alternative funding
　　methods for group health
　　insurance policies, the
　　policyholder participates in the
　　insurance risk to some degree.
 
　　35.
　　ASSERTION
　　With respect to group medical
　　costs, industries that have high
　　turnover tend to have above
　　average medical costs.
　　BECAUSE
　　REASON
　　Groups that have the same
　　demographic characteristics
　　generally have similar medical
　　costs.
　　COURSE 5: November 2001 - 26 - GO ON TO NEXT PAGE
　　Morning Session
　　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. Actuarial loss for retirement
　　benefits
　　I. Fewer participants die than expected
　　Y. Actuarial gain for retirement
　　benefits
　　II. Fewer withdrawals than expected
　　III. Slower salary increases than
　　expected
 
　　37. X. Spread gain cost method I. Gains and losses affect the future
　　normal costs
　　Y. Immediate gain cost method II. Entry age normal cost method
　　III. Gains and losses amortized by a
　　supplemental cost
　　COURSE 5: November 2001 - 27 - STOP
　　Morning Session
 
　　38. X. Factor method for determining
　　claim reserves
　　I. Long payout periods
　　Y. Average size claim method for
　　determining claim reserves
　　II. Appropriate for group life insurance
　　III. Incurred but not reported (IBNR)
　　reserve needed
　　乐观，是达到成功之路的信心；不怀希望，不论什么事情都做不出来。——高顿网校名人感触

 

 
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