Song: “Adverse Selection (Hidden Risk)” Intro – music box + ticking Tick-tock, sign the line Little secrets in the fine print lines Smiling face and polished claim But risk is hiding just the same ⸻ Verse 1 Application neat and clean Nothing strange is ever seen Perfect health and careful tone But the truth is overthrown History tucked out of sight Doctor visits late at night Burning candle, whispered deal Some risks never get revealed ⸻ Pre-Chorus You thought the truth would stay below Hidden where no one would know But numbers talk and patterns show Underwriters start to know ⸻ Chorus Wind up the truth, let it play Risk comes out another way Music box spinning round and round Hidden danger will be found If the risky few all sneak inside Premiums rise far and wide Insurance works when risks are fair Not when secrets hide in there ⸻ Verse 2 Healthy folks might walk away But the risky ones all stay When the balance starts to bend Losses rise and systems end That’s the danger every plan Faces when they write a span Too much risk behind disguise Can destabilize the prize ⸻ Pre-Chorus If only high risk starts to grow The whole pool begins to slow Claims climb high and costs increase Balance breaks, stability flees ⸻ Chorus Wind up the truth, let it ring Risk reveals its hidden sting Music box spinning round and round Patterns in the data found If the risky few all sneak inside Premiums rise far and wide Insurance needs the balance fair That’s why underwriting’s there ⸻ Rap Bridge – playful detective vibe Okay let’s check the paperwork trail Medical files and the driving detail Claims history hiding behind a grin But underwriting’s looking in If high-risk people slip the gate The numbers start to oscillate Too many claims begin to rise That’s adverse selection in disguise Risk that’s hidden, risk that’s sly Makes the premiums climb sky high So insurers check before they choose Who to write and who to refuse ⸻ Final Chorus Wind up the truth, hear it loud Risk can’t hide behind a cloud Insurance works when pools are fair Balanced risk is how we care Music box still turning slow But good underwriting helps it flow If hidden risks all rush inside Adverse selection tilts the tide
