This article about genetic testing presents a non bad event of adverse selection:
Pat Reilly had practiced argue to worry nearly Alzheimer’s disease: Her woman nurture had it, as well as she saw firsthand the havoc it could wreak on a family, much of it financial.
So Ms. Reilly, 77, a retired social worker inwards Ann Arbor, Mich., applied for a long-term tending insurance policy. Wary of enrolling people at conduct chances for dementia, the insurance companionship tested her retentivity 3 times earlier issuing the policy.
But Ms. Reilly knew something the insurer did not: She has inherited the ApoE4 gene, which increases the lifetime conduct chances of developing Alzheimer’s. “I decided I’d best become long-term tending insurance,” she said.Sumber https://gregmankiw.blogspot.com/
