To some extent you’re right. Unfortunately as more data about you becomes available, it becomes easier to discriminate against that data. I don’t believe there’

To some extent you’re right. Unfortunately as more data about you becomes available, it becomes easier to discriminate against that data. I don’t believe there’s a life insurance company that currently uses genetic testing, but there’s no reason they can’t - the law allows it. Furthermore insurers definitely want higher prices on those with higher mortality - whether genetic or not. However if you do want to fix this, you can’t do it as an insurance company. Let’s pretend you try - we’re going to charge slightly more than accidental death premiums to everyone. That is - we’re going to blend the health risk into one big number and slather it over all our prices. The problem becomes the free market. Consumers that want life insurance will pick the one with the lowest price. If you’re someone healthy - that means you’re going to skip this new equal opportunity company - it’s more expensive for you! You can get cheaper insurance if someone reviews your medical history and you probably are ok with them doing that. Now on the flip side - if you have a disability, you definitely want this cheap product - it’s cheaper by 10-20x than anything else in the market! So now your pool that you’re spreading risk across is 90-95% high risk and you can’t spread the risk so you can’t even pay out claims - there’s just too much risk for the net premium you are collecting. You’re basically creating a “disability life insurance” and your premiums should have been (to break even) nearly as astronomical as any other company. For reference, you can currently buy accidental life insurance - it explicitly excludes death due to health conditions. It’s a relatively bad product since most companies will dispute claims - if you have a car accident and die while in the hospital with a heart attack, they will try to prove that you had a heart condition. It’s one of the ways regulation works correctly otherwise - after 2 years with a normal life insurance product, the company is required to pay, by law, even if you lied or omitted something when applying. Unfortunately in insurance you need regulators to do things like these. It’s why the ACA was required for health insurance. It’s a race to the bottom that no company can stop. Furthermore currently regulations make it very hard to compete on anything except price so there’s nothing you can do to sweeten the pot for the healthy risk to balance the unhealthy risk. Disclaimer: I’m an engineer at a company that sells life insurance. These are my own opinions though.