The insurance argument for genetics is incredibly over blown. Very few people have some large quantifiable risk with high certainty found from their genetics. S

The insurance argument for genetics is incredibly over blown. Very few people have some large quantifiable risk with high certainty found from their genetics. Something like a smart watch mobile phone fitness app that records you are clinically obese and dont move around is far more of a problem than your genetics will ever be. Just because you have the genetic potential for higher or lower risk is nothing compared to measuring the actual state of your person right this second and over your lifetime. I work for a company that records and uses both simultaneously. Trust me when I say your smart watch with a heart rate monitor is probably about 1000x the existential threat to your insurance premium. The genetics is helpful for parameterising models and adjusting you from say an "average" human. But there is nothing like actually measuring daily who you are. The power of that data is actually incredible.