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( ) takes place when the insurer pays the insured, or the provider, in whole or in part for the expenses related to the insured's illness or injury. Indemnification Pooling of losses Risk transfer None of the above Question 14 2.5pts What is the fundamental reason that the adverse selection problem exists in insurance programs? Insurers want to maximize their profits. Asymmetric information exists between insurance applicants and insurers. The insured does not bear the full cost of the consequences. None of the above