高顿网校小编提醒您，随时留意关注高顿网校北美精算师考试这一频道，随时有诸如03年11月精算师SOA真题珍藏Course5（三）给到大家的。
　　11.
　　ASSERTION
　　In the U.S., small group carriers
　　can no longer require workers
　　compensation for all eligible
　　employers as a condition for
　　offering non-workers
　　compensation health benefits.
　　BECAUSE
　　REASON
　　In the U.S., the Health Insurance
　　Portability and Accountability Act
　　(HIPAA) requires small group
　　health carriers to offer all major
　　medical products on a guaranteed
　　acceptance and renewal basis.
　　12.
　　ASSERTION
　　In the U.S., underwriting a small
　　group has become less important
　　with the passage of the Health
　　Insurance Portability and
　　Accountability Act (HIPAA).
　　BECAUSE
　　REASON
　　In the U.S., HIPAA limits a
　　carrier’s ability to reject or rate-up
　　specific individuals within a small
　　group.
　　13.
　　ASSERTION
　　Under the individual level
　　premium cost method, the
　　actuarial liability cannot be less
　　than the plan termination
　　liability.
　　BECAUSE
　　REASON
　　Under the individual level
　　premium cost method, the implicit
　　supplemental liability for past
　　service benefits is not fully
　　amortized until the participant
　　reaches normal retirement age.
　　14.
　　ASSERTION
　　Under the entry age normal cost
　　method using assumed entry
　　ages, the actuarial liability for
　　each individual will be positive.
　　BECAUSE
　　REASON
　　Under the entry age normal cost
　　method using assumed entry ages,
　　the assumed entry age cannot
　　exceed the earliest plan eligibility
　　age.
　　COURSE 5: Fall 2003 - 11 - GO ON TO NEXT PAGE
　　Morning Session
　　8-20. Each of questions 8 through 20 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.
　　15.
　　ASSERTION
　　For dynamic life insurance
　　products, the calculation of
　　policy values is independent of
　　the partial withdrawal
　　assumptions.
　　BECAUSE
　　REASON
　　For dynamic life insurance
　　products, partial withdrawals of
　　the account values are often
　　allowed.
　　16.
　　ASSERTION
　　The U.S. DAC Tax results in a
　　company losing investment
　　income.
　　BECAUSE
　　REASON
　　The U.S. DAC Tax accelerates
　　taxes.
　　COURSE 5: Fall 2003 - 12 - GO ON TO NEXT PAGE
　　Morning Session
　　简单生活就是幸福生活。不要背负太多不必要的包袱，学会删繁就简，去除烦躁与复杂，返璞归真，才能让我们的生命绽放出最美丽的光芒,简单生活，不是粗陋和做作，而是一种真正大彻大悟之后的升华，简单地做人，简单地生活，想哭就哭，想笑就笑，不依附权势，不贪求金钱，心静如水，无怨无悔。——高顿网校精品语录

 

 
扫一扫微信，关注精算师*7考试动态