After rigorous field survey, the insurance company finds the probability to have cancer is 10% on average for potential customers. The company offers you a fixed rate policy - Premium is $1000, Reimbursement is $9,000 Suppose there are two types of customers: Heavy smoker, who has a probability of 15% of getting cancer Non smoker, who has a probability of 5% of getting cancer Assuming the U=X, Who will be buying the insurance