I need a help with a case study

1. Use sound economic reasoning to assess whether (and why) each of the following people may prefer to purchase insurance individually or as part of a group:
a. 65-year-old male, lifelong smoker, with congestive heart failure
b. 25-year-old male, normal weight, no known health problems
c. 35-year-old female, married, no known health problems
2. Do you anticipate adverse selection to be a factor with person a, b, or c? Explain, and be specific in your assumptions.
3. What can insurance companies do to discourage adverse selection?
Record answer on a PDF file
These questions in the case study report one file