This document is a case study presentation by Group 5 on risks and solutions related to insurance companies. The group members are listed as Nguyen Thi Hang Ha, Pham Tuan Anh, Hoang Minh Tam, and Pham Ha Trang. Two key risks discussed are moral hazard, where insured parties take on more risk since the insurance company bears the costs, and adverse selection, where asymmetric information allows high-risk individuals to obtain insurance packages. Solutions proposed include co-insurance, restrictive clauses, screening applicants more carefully, and purchasing reinsurance.