Which of the following is not one of the consequences of asymmetric information in the insurance market?

Group of answer choices

Insured may be already ill and knows he is more likely to need insurance more than average persons.

Insured may engage in behaviors more likely to lead him to need insurance.

Insured may take measures to increase their risk in order to scam insurer.

Insured may take extra measures to reduce their risk to reduce their premiums.