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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Toole County is a county located in the northern portion of the U.S. state of Montana. As of the 2010 census, the population was 5,324.[1] Its county seat is Shelby.[2] The county was established in 1914 from parts of Hill County and Teton County and was named after Joseph Toole, the first and fourth governor of Montana.