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How is replacing non unwritten insurances with underwritten insurances going to effect the whole market? You would think that when you take massive amounts of unknown risk from a market, it actually would make it more competitive. Why is it a bad thing for insurers to know what the actual risk on the book is? At the moment non smokers and smokers get the same rate for group insurance, the insurers have no idea what the risk on the books are, they just give everyone insurance to cover off any potential risk, now they cant do this they scream blue murder. How is that a good business plan? I don't understand the afa position on this one.