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| SOA真题Course8IC | |||||
| 作者：佚名 文章来源：快乐阅读网 zuowenw.com 点击数： 更新时间：2008-5-29 | |||||
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会计考试资料下载----点击下载 本文《SOA真题Course8IC》关键词：经济师考试 Course 8I: Fall 2005 -1- GO ON TO NEXT PAGE Individual Insurance – Canada Morning Session **BEGINNING OF EXAMINATION 8** INDIVIDUAL INSURANCE – CANADA MORNING SESSION 1. (4 points) A recent mortality experience study shows that the substandard portion of the company’s life insurance policies has worse than expected experience. (a) Explain reasons substandard mortality experience may be higher than expected. (b) Describe methods to reflect substandard risks in life insurance products. (c) Determine the best method to reflect each of the following substandard risks: (i) Obesity with diabetes (ii) Recovering from a temporary impairment (iii) Hazardous occupation (iv) Normal blood pressure but family history of coronary artery disease Course 8I: Fall 2005 -2- GO ON TO NEXT PAGE Individual Insurance – Canada Morning Session 2. (5 points) A U.S. life insurance company is proposing a flexible premium deferred annuity with the following features: • Each deposit receives a guaranteed interest rate for the first five years based on new money rates with an annually renewable interest rate thereafter. • The minimum interest rate credited on funds and used in determining minimum nonforfeiture amounts is guaranteed to be no less than 3%. • The surrender charge is 15% of the current contract year deposit, plus 10% of the prior contract year deposit. • Surrender charges are waived upon annuitization. • Return of principal is guaranteed during the first contract year. • A death benefit is not provided during the deferral period. • The annuitization bonus is 2% of account value. • An annual fee of $75 is charged at the beginning of each contract year. • An administrative load of 6% is applied to each deposit. (a) Determine changes needed to the proposed product design in order to meet the requirements of the Standard Nonforfeiture Law for Individual Deferred Annuities. (b) For a contract purchased on January 1, 2005, you are given: Five-year constant maturity treasury rates January 1, 2005 5.85% January 1, 2006 5.50% January 1, 2007 5.25% January 1, 2008 4.75% January 1, 2009 4.00% Credited interest rate from January 1, 2005 to January 1, 2010 4.00% Nonrefundable state
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