请问这句要怎么翻?

readok2009

To protect against these situations,
insurers screen potential enrollees for the risk of adverse selection.
为了防止这些情况，保险公司筛选掉不利选择有潜藏风险的入会者。
感觉翻起来怪怪的..

petersheng

为防止此类情况发生，保险商不接受有潜在危险的对象参保。