Of course they do, because they have a captive audience (you have to buy through your employer) which life insurance doesn't have. Besides I haven't seen any o

Of course they do, because they have a captive audience (you have to buy through your employer) which life insurance doesn't have. Besides I haven't seen any of those incentives that really had teeth (usually you can avoid the penalty by not being fat, or by doing something silly and ultimately meaningless like meeting with a diatician).