The research shows that the game model has a perfect Bayesian Nash equilibrium, whereas telling the truth is not always a perfect Bayesian Nash equilibrium of the policyholder.

• 研究表明，博弈模型存在某种形式的精炼贝叶斯纳什均衡，但如实告知一般不是保单持有人的精炼贝叶斯纳什均衡策略。