| 摘要 |
This application discloses a new method for underwriting claimants. It is novel in that it is narrowly tailored to combat adverse selection problems such as those that inhere in traditional insurance plans. Whereas the existing method attempts to predict what will cause people to select out of the relevant plans, this method allows adjustment as an option to those interested in selected out through the creation of a new plan with new criteria specified by the party or parties selecting out. This use of the participants to do the underwriting function is also novel.
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