Empirical studies indicate that people with safe and healthy lifestyles tend to buy more life and health insurance than people with unsafe and risky lifestyles. Is this the opposite of what the usual "adverse selection" story predicts?

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The Answer of Empirical studies indicate that people with safe and healthy lifestyles tend to buy more life and health insurance than people with unsafe and risky lifestyles. Is this the opposite of what the usual "adverse selection" story predicts?

Empirical Studies Indicate That People with Safe and Healthy Lifestyles