Final answer:
Susan would not focus on products catering to low-risk individuals since her aim is to address products with the greatest risk affected by issues of imperfect information and adverse selection.
Step-by-step explanation:
The question focuses on identifying which insurance products Susan, an agent, would not focus on if she aims to target products with the greatest risk. Based on the context provided, insurance products that present the greatest risk are those that are affected by issues of imperfect information, where there is a difference in what the insurer and the insured know. This can lead to adverse selection, where individuals with high risk are more likely to purchase insurance, potentially causing significant losses to the insurance company.
The insurance company may try to manage these risks by separating insurance buyers into accurate risk groups and charging them accordingly or by requiring that those with lower risks also purchase insurance. However, products that cater to individuals who pose the lowest risk, such as those who are unlikely to file a claim, would not be a focus for Susan, as these do not present the greatest risk to the insurer.