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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.
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. If the price of insurance does not vary according to smoking status, then it will be more valuable for smokers than for non-smokers.
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 ...
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State insurance regulators have issued a consumer alert about the industry practice of retaining death benefit funds rather than paying them in a lump sum. The National Association of Insurance ...