The GOLD in Golden years was identified by the sight impaired. It is actually Rust!!
Uninsurable risk is a condition that poses an unknowable or unacceptable risk of loss or a situation in which the insurance would be against the law. Insurance companies limit their losses by not taking on certain risks that are very likely to result in a loss. Many states offer insurance for otherwise uninsurable risks through their high-risk pools. However, lifetime benefits may be capped and premiums may be expensive.