Which term describes the tendency of individuals with above-average likelihood of loss to seek insurance more aggressively than average-risk individuals?

Why this is the answer

Adverse selection arises because the prospective insured almost always knows more about his or her own risk than the insurer does. People who suspect they are unhealthy or live in unusually hazardous conditions are more motivated to buy coverage than average-risk people, which skews the insured pool toward worse-than-expected experience. Underwriting — medical questions, MIB reports, prescription histories — exists to identify and price (or decline) these higher risks. Moral hazard is dishonesty incentivized by coverage, physical hazard is a tangible condition that increases loss, and indemnity is a coverage-limit principle. Per the Florida Agent's Health & Life Exam Content Outline §III.B.