The whole concept of insurance is being grossly undermined since the advent of Direct Line.
The object is to permit the risks of life to be spread around large numbers of people.
If the insurers slice-and-dice the demographic information, we'll end up with a situation where those people who are higher risk won't be able to afford insurance, and those with lower risk won't pay for it.
It's yet another example of what happens when you let accountants run the show. Everything except the short-term profit is tossed into the 'don't care' file.
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