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What type of Risk is the RISK that the existence of Insurance will cause the policyholder to behave differently than he or she would without

What type of Risk is the RISK that the existence of Insurance will cause the policyholder to behave differently than he or she would without Insurance. And/Or the RISK that can exist with banks because of FDIC?

I. Interest Rate Risk

II. Market Risk

III. Moral Hazard Risk

IV. Longevity Risk

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