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Death spiral is a condition where the structure of insurance plans leads to premiums rapidly increasing as a result of changes in the covered population. It is the result of adverse selection in insurance policies in which lower risk policy holders choose to change policies or be uninsured. The result is that costs supposedly covered by ...
Adverse selection was first described for life insurance. It creates a demand for insurance which is positively correlated with the insured's risk of loss. [3] For example, overall, non-smokers have a much lower risk of death than smokers of the same age and sex.
Death spiral may refer to: Aircraft flight: Graveyard spiral; Spiral dive; Death spiral (figure skating), an element of pair skating; Death spiral (insurance), an insurance plan whose costs are rapidly increasing; Death spiral financing; Ant mill, a behavioral phenomenon in ants; Death Spiral, a 1989 novel by John Ballem
JD Vance warned recently of a "death spiral" in the US bond market. Vance's concerns are tied to the US servicing its $35 trillion debt load. "Do they try to take down the Trump presidency by ...
The total number of planned closures this year has reached nearly 5,100 -- and it's crippling shopping malls.
‘Black Swan’ author Nassim Taleb, who correctly called the 2008 financial crisis, says the U.S. is in a ‘death spiral’ over government debt Eleanor Pringle January 31, 2024 at 6:29 AM
Aetna CEO Mark Bertolini stated that ACA was in a "death spiral" of escalating premiums and shrinking, skewed enrollment. [68] However, a U.S. judge found that the Aetna CEO misrepresented why his company was leaving the exchanges; an important part of the reason was the Justice Department's opposition to the intended merger between Aetna and ...
Most insurance policies include a suicide clause that states the policy will not pay out the death benefit if the policyholder commits suicide within a certain period of time after the policy is ...