Adverse selection is a phenomenon wherein the insurer is confronted with the probability of loss due to risk not factored in at the time of sale. Definition: Adverse selection is a phenomenon wherein the insurer is confronted with the probability of loss due to risk not factored in at the time of sale.
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However, on 17 April 2000 he was created a life peer as Baron Acton of Bridgnorth, of Aldenham in the County of Shropshire. Consequently, Lord Acton was able to return to the House of Lords where he sat on the Labour benches. As of 2014 the titles are held by his son, the fifth Baron, who succeeded in 2010.